How does Chapter 6 describe the role of a Sadguru in a person's life, both for spiritual and worldly matters?

According to the teachings in Chapter 6, the Sadguru is portrayed as the essential helmsman for the boat of life. The text states that whether dealing with spiritual or worldly matters, only a boat guided by the Sadguru will safely reach the far shore. This metaphor emphasizes the Sadguru's indispensable role in navigating life's challenges. The chapter further elaborates that by surrendering with body, speech, and mind to a capable Sadguru like Sai, the four primary goals of life—Dharma (righteousness), Artha (wealth), Kama (desire), and Moksha (liberation)—can be achieved naturally without even having to ask for them.