Shloka 45
दैव–पुरुषकार-प्रश्नः
Daiva–Puruṣakāra Inquiry: Fate and Human Effort
विपुलमपि धनौघं प्राप्य भोगान् स्त्रियो वा पुरुष इह न शक्त: कर्महीनो हि भोक्तुम् । सुनिहितमपि चार्थ दैवतै रक्ष्यमाणं पुरुष इह महात्मा प्राप्तुते नित्ययुक्त:
vipulam api dhanaughaṃ prāpya bhogān striyo vā puruṣa iha na śaktaḥ karma-hīno hi bhoktum | su-nihitam api cārthaṃ daivatai rakṣyamāṇaṃ puruṣa iha mahātmā prāpnute nitya-yuktaḥ udyoga-hīnaḥ ||
毗湿摩说道：“纵使得了滔天财富，兼有享乐，乃至美色；然世间之人若无勤勉之行，亦不能受用。无业无行，便非真能享受者。惟有大心之士，常自律而不懈精进，连那被谨慎埋藏、又为诸天守护的财宝，也能获得。”
भीष्म उवाच
Educational Q&A
Enjoyment and attainment are not secured merely by possessing wealth; without personal effort (udyoga/karma) one cannot truly benefit from resources. Steady, disciplined endeavor enables a person to gain even difficult or divinely-guarded wealth.
In Bhishma’s instruction on dharma and right conduct, he emphasizes the primacy of human initiative: laziness renders even great acquisitions fruitless, while constant effort empowers a noble person to achieve what seems protected or unreachable.