There are 4 things to consider: 

kama (psycho-physical wealth),
Artha (psychic wealth),
dharma (psycho-spiritual wealth) and
moks'a (spiritual emancipation)
- and which contains the moral code of conduct.

No one can deny their very existence. This is the first.

The second is artha. Artha is the fulfillment of needs in the physico-psychic sphere. Through artha the physico-psychic needs are relieved temporarily. That which brings permanent relief from these needs is called parama'rtha. Artha is temporary, parama'rtha is permanent. Here artha does not mean money. Of course, money is also loosely called artha because it brings temporary relief in the physical sphere. That's why money is called `artha' in Sam'skrta. Furthermore, whenever people don't understand the meaning of a word - the word "kadali", for example - there is a certain want in the mind. And as soon as one learns that "kadali" means "banana", that psychic want is removed. Hence, the meaning of a word is also called "artha"
in Sam'skrta because when one comes to know what a particular word means, the want is removed from the mind. So `artha' means `money', meaning that through which physico-psychic needs are fulfilled.

The third is dharma which fulfills the psycho-spiritual necessities. Not only do human beings have physical needs; they have more subtle ones as well. Those who have no desire for any of the physical necessities sometimes leave their homes and embrace the life of a monk. Why should they make such a choice? Why would a prince become a renunciate? What sort of desire prompted Mahaprabhu Caetanya to accept the life of a sannyasi? What prompted Buddha to relinquish his beautiful kingdom? They all had no further physical desires. There was no further need for ka'ma and artha in their lives. But why did they choose to completely give up their worldly lives? The reason is that there was a very deep desire in the back of their minds. When people reach a subtle level of existence, they realize that they are hopelessly ignorant. Having just entered that higher stratum, they are unable to understand the subtler expressions of life. This leads to a longing for the spiritual. This is the third varga, dharma, which leads to the fulfillment of the psycho-spiritual necessities.

The fourth varga is moks'a. When human beings attain the fullest expression, they feel that it is a liability and become eager to return the gift to God from whom it came.

"Your objects, O Lord, I offer unto You. I surrender myself up to You, as You are the Supreme Terminus, O Lord."

This is the last stage. It is called moks'a or salvation.

From works of
Shrii Shrii Anandamurti