Hardship For Material Gain = Defeat - Prabhupada 0155
730614 - Lecture SB 01.09.48 - Mayapur
After death, he cannot take away the millions of dollars with him next life.
But they do not know that there is next life. Next life he may become a dog, and what this millions of dollars will help him? That he does not know. Therefore tapo divyam (SB 5.5.1). Take austerity, penances, for reviving your original consciousness, Kṛṣṇa consciousness. For that purpose, you undergo austerity. Otherwise, if you simply undergo austerities, penances, hardship for some material gain, then it is waste of time, defeat, parābhava. Parābhavas tāvad abodha-jātaḥ. Because he's a fool, rascal, he does not know what for hardship should be taken.