What is the text's guidance on personal effort versus divine grace in the context of spiritual progress?

The guidance in Chapter 19 makes a crucial distinction between material sustenance and spiritual wealth. It acknowledges the truth in the saying, "If my Hari exists, he will give me while I am on my bed," but clarifies that this principle applies only to necessities like food and clothing. The text sternly warns that anyone who applies this passive attitude to spiritual matters "will lose spiritual wealth completely." For spiritual growth, active effort is non-negotiable. This is underscored by what the text calls Baba's "priceless words": "As one sows, so shall he reap." This principle emphasizes that spiritual success is a direct result of one's own actions, righteousness, and dedicated practice, not something that can be obtained without effort.