Acharya Prashant explains that the shape the economics of a place takes depends on the value an individual accords to different objects. He uses the example of jewelry, questioning why people go after it. He clarifies that he is not talking about those who see gold or silver as an investment, but about the majority who rush after diamonds, rings, or precious stones. This, he states, is a subjective decision. As a result, the price of a simple stone rises greatly, and people work very hard, change jobs, take loans, or save for a long time just to afford it, even though it is just a stone. The stone does not intrinsically carry that much value; it is one's own subjective value system and conditioning that dictates its worth. Spirituality, he continues, tells you what is exactly valuable in life. A spiritual person is unlikely to attach great value to just a metal or a stone. This wisdom can save one from the hardship of running after things that do not matter. Therefore, good spirituality is good economics. If one is not a spiritual person, they will make economically unwise decisions because they do not know what is truly valuable, even in the material domain. This applies to decisions like which car to purchase or whether to rent or buy a house. An unwise decision, like buying a house when renting would suffice, can lead to a 20-year home loan, which is a form of bondage. This appears as a financial transaction but is actually a spiritually unwise decision, stemming from not knowing who you are and what you really need. This principle extends to decisions concerning relationships, which have great financial impacts. For instance, marrying someone who requires you to quit your job or relocate is a spiritual or unspiritual decision with definite financial repercussions. Similarly, the decision to have a baby is a huge financial project, not merely a biological or emotional one. People go bankrupt not necessarily because they don't earn, but because they don't know where to spend, lacking clear priorities in life, which is a spiritual matter. The speaker emphasizes that spirituality and worldliness are not separate domains. To succeed in the world, one needs to be spiritual. The punishment for not being spiritual is not being denied entry into some heaven, but leading a ruined worldly and economic life. An unwise person can ruin the economy itself. Spirituality is there to tell you exactly what to do in this world, what to value, and what to discard.