उत्साह सम्पन्नं अधीर्घ सूत्रं क्रियाविधिज्ञं व्यसनेष्वासक्तं
शूरं कृतज्ञं दृढ़सौह्रदं च लक्ष्मीः स्वयं याति निवासहेतोः

Utsaah sampannam Adheergha sutram kriya vidhigyam vyasaneshva saktam
Shuram krutagyam Dhruda Souhrudam cha lakshmeehi svyam yaati nivasa hetoho

The goddess Lakshmi (wealth) comes all by herself to stay with a person who is enthusiastic, not lazy, knows how to work, one who is not interested in bad habits, brave, grateful and gratuitous.