1On one occasion the Blessed One was dwelling at Sāvatthī in Jeta's Grove, Anāthapiṇḍika's Park. Then the householder Anāthapiṇḍika approached the Blessed One, paid homage to him, and sat down to one side. The Blessed One then said to him:

1Ekaṁ samayaṁ bhagavā sāvatthiyaṁ viharati jetavane anāthapiṇḍikassa ārāme. Atha kho anāthapiṇḍiko gahapati yena bhagavā tenupasaṅkami; upasaṅkamitvā bhagavantaṁ abhivādetvā ekamantaṁ nisīdi. Ekamantaṁ nisinnaṁ kho anāthapiṇḍikaṁ gahapatiṁ bhagavā etadavoca: 

"Householder, there are these five utilizations of wealth. What five?[n.1020] From this part on, this sutta closely parallels AN4.61. The five items are obtained by dividing the first of the latter into two parts. The verses in the two suttas are identical.

"pañcime, gahapati, bhogānaṁ ādiyā. Katame pañca?

(1) "Here, householder, with wealth acquired by energetic striving, amassed by the strength of his arms, earned by the sweat of his brow, righteous wealth righteously gained, the noble disciple makes himself happy and pleased and properly maintains himself in happiness; he makes his parents happy and pleased and properly maintains them in happiness; he makes his wife and children, his slaves, workers, and servants happy and pleased and properly maintains them in happiness. This is the first utilization of wealth.

Idha, gahapati, ariyasāvako uṭṭhānavīriyādhigatehi bhogehi bāhābalaparicitehi sedāvakkhittehi dhammikehi dhammaladdhehi attānaṁ sukheti pīṇeti sammā sukhaṁ pariharati; mātāpitaro sukheti pīṇeti sammā sukhaṁ pariharati; puttadāradāsakammakaraporise sukheti pīṇeti sammā sukhaṁ pariharati. Ayaṁ paṭhamo bhogānaṁ ādiyo.

2(2) "Again, with wealth acquired by energetic striving … righteously gained, the noble disciple makes his friends and companions happy and pleased and properly maintains them in happiness. This is the second utilization of wealth.

2Puna caparaṁ, gahapati, ariyasāvako uṭṭhānavīriyādhigatehi bhogehi bāhābalaparicitehi sedāvakkhittehi dhammikehi dhammaladdhehi mittāmacce sukheti pīṇeti sammā sukhaṁ pariharati. Ayaṁ dutiyo bhogānaṁ ādiyo.

3(3) "Again, with wealth acquired by energetic striving … righteously gained, the noble disciple makes provisions with his wealth against the losses that might arise because of fire or floods, kings or bandits or unloved heirs; he makes himself secure against them. This is the third utilization of wealth.

3Puna caparaṁ, gahapati, ariyasāvako uṭṭhānavīriyādhigatehi bhogehi bāhābalaparicitehi sedāvakkhittehi dhammikehi dhammaladdhehi yā tā honti āpadā – aggito vā udakato vā rājato vā corato vā appiyato vā dāyādato – tathārūpāsu āpadāsu bhogehi pariyodhāya vattati, sotthiṁ attānaṁ karoti. Ayaṁ tatiyo bhogānaṁ ādiyo.

4(4) "Again, with wealth acquired by energetic striving … righteously gained, the noble disciple makes the five oblations: to relatives, guests, ancestors, the king, and the deities. This is the fourth utilization of wealth.

4Puna caparaṁ, gahapati, ariyasāvako uṭṭhānavīriyādhigatehi bhogehi bāhābalaparicitehi sedāvakkhittehi dhammikehi dhammaladdhehi pañcabaliṁ kattā hoti. Ñātibaliṁ, atithibaliṁ, pubbapetabaliṁ, rājabaliṁ, devatābaliṁ – ayaṁ catuttho bhogānaṁ ādiyo.

5(5) "Again, with wealth acquired by energetic striving … … righteously gained, the noble disciple establishes an uplifting offering of alms—an offering that is heavenly, resulting in happiness, conducive to heaven—to those ascetics and brahmins who refrain from intoxication and heedlessness, who are settled in patience and mildness, who tame themselves, calm themselves, and train themselves for nibbāna. This is the fifth utilization of wealth.

5Puna caparaṁ, gahapati, ariyasāvako uṭṭhānavīriyādhigatehi bhogehi bāhābalaparicitehi sedāvakkhittehi dhammikehi dhammaladdhehi ye te samaṇabrāhmaṇā madappamādā paṭiviratā khantisoracce niviṭṭhā ekamattānaṁ damenti ekamattānaṁ samenti ekamattānaṁ parinibbāpenti, tathārūpesu samaṇabrāhmaṇesu uddhaggikaṁ dakkhiṇaṁ patiṭṭhāpeti sovaggikaṁ sukhavipākaṁ saggasaṁvattanikaṁ. Ayaṁ pañcamo bhogānaṁ ādiyo. Ime kho, gahapati, pañca bhogānaṁ ādiyā.

6"These, householder, are the five utilizations of wealth. Householder, if a noble disciple's wealth is exhausted when he has utilized it in these five ways, he thinks: ‘I have utilized wealth in these five ways and my wealth is exhausted.’ Thus he has no regret. But if a noble disciple's wealth increases when he has utilized it in these five ways, he thinks: ‘I have utilized wealth in these five ways and my wealth has increased.’ Thus, either way, he has no regret."

6Tassa ce, gahapati, ariyasāvakassa ime pañca bhogānaṁ ādiye ādiyato bhogā parikkhayaṁ gacchanti, tassa evaṁ hoti:  ‘ye vata bhogānaṁ ādiyā te cāhaṁ ādiyāmi bhogā ca me parikkhayaṁ gacchantī’ti. Itissa hoti avippaṭisāro. Tassa ce, gahapati, ariyasāvakassa ime pañca bhogānaṁ ādiye ādiyato bhogā abhivaḍḍhanti, tassa evaṁ hoti:  ‘ye vata bhogānaṁ ādiyā te cāhaṁ ādiyāmi bhogā ca me abhivaḍḍhantī’ti. Itissa hoti ubhayeneva avippaṭisāroti.

7"I’ve enjoyed wealth,
supported my dependents,
and overcome adversities.
I have given an uplifting offering,
and performed the five oblations.

7Bhuttā bhogā bhatā bhaccā,
vitiṇṇā āpadāsu me;
Uddhaggā dakkhiṇā dinnā,
atho pañcabalīkatā;
Upaṭṭhitā sīlavanto,
saññatā brahmacārayo.

8I have served the virtuous monks,
the self-controlled celibate ones.
"I have achieved whatever purpose
a wise person, dwelling at home,
might have in desiring wealth;
what I have done brings me no regret."

8Yadatthaṁ bhogaṁ iccheyya,
paṇḍito gharamāvasaṁ;
So me attho anuppatto,
kataṁ ananutāpiyaṁ.

9Recollecting this, a mortal
remains firm in the noble Dhamma.
They praise him here in this life,
and after death he rejoices in heaven.

9Etaṁ anussaraṁ macco,
ariyadhamme ṭhito naro;
Idheva naṁ pasaṁsanti,
pecca sagge pamodatī"ti.

Paṭhamaṁ.