He spends on running his household efficiently. Guru Nanak always believed that his followers should not renounce the world. Rather they should lead the life of a householder. For this, he spends one part of the income to meet his daily necessities.

He throws the second part into the well. It means he donates this part to religious place. The Gurus always wanted that the Sikhs should set apart Daswandh (one tenth part of income) for the Guru’s fund. This fund was used for the welfare projects for the poor and the needy sections of the society. The mouth of the poor are the Guru’s receptacles for the gifts, were the words of the Guru.( rohp dk w{zj, r[o{ eh r'be).

He spends on the education of his children. He feels that he is lending the money so that his children are educated, enlightened and become capable of earning livelihood in the future and take care in his old age.

He is repaying the loan with this part of his income. He takes care of his parents in their old age. He feels he is returning whatever his parents had done for him in his childhood. Now it is his turn to repay what he had received from his parents.