First of all, dharma. Without religious life—animal. What is the value of? Dharmeṇa hīnāḥ paśubhiḥ samānāḥ (Hitopadeśa). Anyone who has no religion . . . it doesn't matter what religion he's following, he must follow some religion. It doesn't matter whether Christian religion, Hindu religion or Buddha religion and this religion. It doesn't matter. He must have some religion. Then he is human being. And religion means . . . generally, they understand, "If I become religious, pious, then my life will be nice. I'll get my subsistence." Actually, that's fact.
Dharma artha. And why do we want artha, money? Kāma, for sense gratification. We require money for sense gratification. And when we are baffled in sense gratification, then we want mokṣa. When one cannot get sufficiently by trying dharma, artha, kāma, economic development and sense gratification, still we are dissatisfied, then sometimes we give up this world: brahma satyaṁ jagan mithyā, "This world is mithyā, false."