105 Arhat Nandā (Adorning the Land)
Spending money lavishly and living extravagantly in youth naturally leads to a bitter and miserable life in old age. Looking back at those years inevitably brings self-reproach, leaving only tears of sadness.
For those who receive this verse, one is extravagant and spends money without restraint. One should know that everything must be planned for the long term, and one should not just seek temporary pleasure, otherwise, one will be very financially strained in old age, and by then, regret will be too late.