Śakaṭa-bhañjana, Naming by Garga, Dāmodara and Yamala-arjuna, and the Move to Vṛndāvana
ऊहुर् उन्मार्गवाहीनि निम्नगाम्भांसि सर्वतः मनांसि दुर्विनीतानां प्राप्य लक्ष्मीं नवाम् इव
ūhur unmārgavāhīni nimnagāmbhāṃsi sarvataḥ manāṃsi durvinītānāṃ prāpya lakṣmīṃ navām iva
正如向下流的水被四处驱入歧途的沟渠,放纵之人的心在新得富贵时也会被冲散,四散飘摇而误入邪径。
Sage Parāśara (teaching Maitreya)
Here “Lakṣmī” signifies newly acquired prosperity; the verse warns that without discipline, wealth becomes a force that diverts the mind into many wrong directions rather than supporting dharma.
Parāśara uses a simile: like naturally downward-flowing waters forced into crooked channels, the undisciplined mind—especially when empowered by new wealth—gets scattered into improper pursuits.
Though Vishnu is not named in this line, the teaching supports Vaishnava dharma: in Kali-yuga, stability and right order are restored by aligning life with dharma and ultimately seeking refuge in the Supreme (Vishnu) rather than being ruled by fortune and impulse.