40. kṣaṇaśaḥ kaṇaśaścaiva

क्षणशः कणशश्चैव
विद्यामर्थं च साधयेत् ।
क्षणत्यागे कुतो विद्या,
कणत्यागे कुतो धनम् ॥

kṣaṇaśaḥ kaṇaśaścaiva
vidyāmarthaṃ ca sādhayet

kṣaṇatyāge kuto vidyā,
kaṇatyāge kuto dhanam

क्षणशः विद्यां साधयेत् (kṣaṇaśaḥ vidyāṃ sādhayet) = gain knowledge moment by moment
च एव (ca eva) = and also
कणशः अर्थं साधयेत् (kaṇaśaḥ arthaṃ sādhayet) = gain wealth grain by grain
क्षणत्यागे विद्या कुतं (ṣaṇatyāge vidyā kutaṃ) = where is knowledge on wasting a moment?
कणत्यागे धनं कुतं (kaṇatyāge dhanaṃ kutaṃ) = where is wealth on wasting a grain?

Meaning: Knowledge and wealth are gained with every moment and grain (respectively). Where is knowledge on wasting a moment? Where is wealth on wasting a grain?

Credits: Courtesy Brahmachari Ved Chaitanya of Chinmaya International Foundation (CIF).
Image courtesy: flaticon
P.S.: All errors / mistakes are my own