This Sutta is for Monks. Not for a householder who live in regular householder life, and nor in seclusion retreat.
several mendicants sat together in the assembly hall. They engaged in all kinds of low talk, such as talk about kings, bandits, and ministers; talk about armies, threats, and wars; talk about food, drink, clothes, and beds; talk about garlands and fragrances; talk about family, vehicles, villages, towns, cities, and countries; talk about women and heroes; street talk and well talk; talk about the departed; motley talk; tales of land and sea; and talk about being reborn in this or that place.
for a householder who still live at home
“Sir, we are laypeople who enjoy sensual pleasures and living at home with our children. We use sandalwood imported from Kāsi, we wear garlands, fragrance, and makeup, and we accept gold and currency. May the Buddha please teach us the Dhamma in a way that leads to our welfare and happiness in this life and in future lives.”
Byagghapajja, these four things lead to the welfare and happiness of a gentleman in this life.
What four?
Accomplishment in initiative, protection, good friendship, and balanced finances.
And what is accomplishment in initiative?
It’s when a gentleman earns a living by means such as farming, trade, raising cattle, archery, government service, or one of the professions. He understands how to go about these things in order to complete and organize the work. This is called accomplishment in initiative.
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And what is accomplishment in balanced finances?
It’s when a gentleman, knowing his income and expenditure, balances his finances, being neither too extravagant nor too frugal.
He thinks, ‘In this way my income will exceed my expenditure, not the reverse.’ It’s like an appraiser or their apprentice who, holding up the scales, knows that it’s low by this much or high by this much. In the same way, a gentleman, knowing his income and expenditure, balances his finances, being neither too extravagant nor too frugal. He thinks, ‘In this way my income will exceed my expenditure, not the reverse.’ If a gentleman has little income but an opulent life, people will say: ‘This gentleman eats their wealth like a fig-eater!’ If a gentleman has a large income but a spartan life, people will say: ‘This gentleman is starving themselves to death!’ But a gentleman, knowing his income and expenditure, leads a balanced life, neither too extravagant nor too frugal, thinking, ‘In this way my income will exceed my expenditure, not the reverse.’
This is called accomplishment in balanced finances
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Many of sutta for householder who is still new in Buddha teaching, not ready for total let go of family. Buddha taught them precepts, and how even to balance budget in life like above and hearing true dhamma first. Not right away live like a monk.