three paths:
karmamarga - path of works and action
jnanamarga - path of knowledge or philosophy
bhaktimarga - path of devotion to God
three debts:
debt to God
debt to sages and saints
debt to ancestors
four stages of life:
brahmacharga - school years - grow and learn
grhastha - marriage, family and career
vanaprastha - turn attention to spiritual things
sanrgasu - abandon world to seek spiritual things
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