education that is possessed by the inefficient parson

अप्रगल्भस्य या विद्या कृपणस्य च यद्दनम्

यच्च बाहुबलम् भीरोः व्यर्थमेतत् त्रयम् भुवि॥४८

भल्लालदेवकृते भोजप्रबन्धे

apragalbhasya yā vidyā kṛpaṇasya ca yaddanam

yacca bāhubalam bhīroḥ vyarthametat trayam bhuvi||48

bhallāladevakṛte bhojaprabandhe

अप्रगल्भस्य या विद्या भवति the education that is possessed by the inefficient parson with no initiative

यद् धनं कृपणस्य भवति च also the money available in abundance with a miser

भीरोः यच्च बाहुबलं भवति and further, brute physical strength obtaining with a coward

एतद् त्रयम् भुवि व्यर्थं एव all these three are simply wasted on this earth..

This is from Bhojaprabhandam

Whatever knowledge that is possessed by a fellow without skill, the money hoarded by a miser, and physical strength available to a coward are of no value either for himself or for others.. Their possessions are waste and they in turn are wasted..

We learn something so that we can apply that knowledge for the benefit of ours as well as others..

We earn money not to hold on to it for ever without spending but to use it again for our own good living and perhaps to help others too.

And

If we grow up with huge muscles and torso and immense power and still we are not mentally bold enough to use them on the face of a crunch situation, that strength is futile

We can possess a lot in this world and still we can be of no use to anyone including ourselves..

Indeed many of us are just like that...