A person who is engrossed in wealth, wife and land or has got defeated by old age, how is shedding of karmas (Nirjara) possible in his life? Shedding of karmas begins after giving up wealth. Think about Nirjara. You have become decrepit because of wealth. Old age has caught you, wife has trapped you, land is keen to embrace you and throw you on the ground, but still you don’t think about Nirjara. Before decrepitude because of old age, resolve that I will take a vow to be free of wealth, wife and land through prayer and abstinence to attain Nirjara.