दारिद्र्येण कुलं मदेन कुशलं द्वेषेण विद्याफलं
शीलं दुर्जनसंगेमेन मलिनाचारेण शुक्लं यशः ।
आलस्येन धनं प्रयाति निधनं लौल्येन मानोन्नतिः
याज्ञादैन्यपरिग्रहेण च गुणग्रामः समग्रो नृणाम् ॥
Misery hurts the family. Intoxication destroys well-being. The fruits of education are spoiled by hatred. Character is spoiled by having friendship with rogues. By doing sinful acts one destroys his fame. Laziness makes you lose wealth. Greed destroys honor. But beggary destroys all qualities that a man has.