What specific teaching of Sai Baba is mentioned in the story of Laxmichand's pilgrimage?

In the account of Laxmichand's pilgrimage found in Chapter 28 of the Shri Sai Satcharitra, a very practical teaching from Sai Baba is highlighted. The text explicitly states that Baba did not approve of devotees incurring debt, even for a noble purpose like a pilgrimage. The verse says, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This demonstrates Baba's emphasis on living within one's means and maintaining financial prudence, considering freedom from debt to be an important principle for his followers.