If character is lost, everything is lost

विदेशेषु धनं विद्या
व्यसनेषु धनं मतिः ।
परलोके धनं धर्मः
शीलं सर्वत्र वै धनम् ॥

One's knowledge is his wealth when in a foreign country.
One's intelligence is his wealth when in adversity.
One's righteousness is his wealth in the netherworld.
One's character is a wealth everywhere and at all times.

If money is lost, nothing is lost.
If health is lost, something is lost.
If character is lost, everything is lost.