Spiritual Knowledge Vs Worldly Wisdom
Penance yields grace. Grace by itself can achieve nothing.

I dress like any normal person. Yet, I have renounced everything. And I am more knowledgeable than most saints.
Basically I am a management man, whereas most of the spiritual leaders did/do not have any worldly exposure. Even saints like Ramakrishna Paramahamsa who attained high levels of spirituality were ignorant in worldly ways. It is recorded that Kali told Ramakrishna Paramahamsa, ‘Son, you are spiritually evolved, no doubt. But these worldly people are cleverer than you are. They will trick you into conferring on them your grace. Transfer your powers to Vivekananda who is shrewder than you.’
Penance yields grace. Grace by itself can achieve nothing. One must have the worldly knowledge to manage it.
You do not have to follow me. Do what your conscience tells you to. What good you find in me, imbibe it.