The previous two and three stanzas of Bhajagovindam the teacher (Swami Sankara) tried to to help the student to make correct judgement of the place of money and woman in a healthy man's dynamic living. They are not to serve as treacherous rocks upon which one's ship of life should get smashed and floundered.
Here, next, Acharya is helping us to realise how ephemeral, and riddled with painful imperfections, is this uncertain existence of the embodied. Since life is so uncertain, and the world is in a sense nothing but sorrow, there is no time for any one to waste. Death rarely announces its visit, and unannounced it enters cities and hamlets, flats and fields. It respects neither the person nor the place that it visits. Therefore, strive right now. 'Now'and 'here'seems to be the urgency behind.
Swami Sankara in the 4th stanza of Bhajagovindam symbolises the extreme uncertainty of life, the analogy of a drop of water trembling from the tip of a lotus petal has a deeper Vedantic suggestion. The lotus grows in water,exists in water, is nurtured and nourished by waters. Ultimately, it is to perish in water. Naturally, the flower is nothing but an expression of the waters, sprung forth to manifestation due to the seed that was at the bottom!
Brahmam (Jeevatma + Paramathma) the infinite, the one-without-a-second, itself expresses as the lotus of the subtle-body due to its own sankalpa. Existing in the Infinite Consciousness, divine and all pervading, a minute ray of it(Atma) functioning in and through these equipment is the individuality (Jeeva). Atma expressing through the lotus-of-the-intellect, is the unsteady, over agitated individual (Jeeva) which, when it leaves and transcends the intellect, comes back to merge with the waters of Consciousness around.
The return of the trembling drop back to the waters of the lake is the culmination indicated by the Maha Vakya "THAT THOU ART".
NOTE:- The citizens of Bharatham should learn That Thou Art, the Supreme Words of the Upanishad, and know this Swami Sankaracharya's words, follow the values, develop their minds.