It Means -

Don't be proud of your money, as it will never satisy you Across the river is our beloved place and we must cross it.. Wise people stand and tell the directions I have given my heart to someone who doesnt care...

Not an accurate Punjabi translation but this song according to me is metaphorical, which says dont be too proud of your money. we have to face a lot of difficulties to reach our destination, wise ones will just stand and keep telling the directions.

I cant relate the last line though..