svayam kilbisam adaya
tais tyakto nartha-kovidah
asiddhartho visaty andham
Abandoned by his so-called dependents, ignorant of the actual goal of life, indifferent to his real duty, and having failed to fulfill his purposes, the foolish soul enters the blindness of hell, taking his sinful reactions with him.
It is sadly ironic that materialistic persons, who labor so assiduously to accumulate insurance, security, property and family, enter the darkness of hell equipped with nothing but the painful reactions of their sins. On the other hand, those who cultivate Krsna consciousness, spiritual life, while apparently neglecting to accumulate property, a large family and so on, enter the next life enriched with many spiritual assets and thus enjoy the deep pleasures of the soul.