The Lord is so kind to us that He can be present before us personally in the form of transcendental sound.
Srimad Bhagavatam 1.2.17,
You are driving car, running with seventy miles speed.. it is smashed accidently. But you are alive then you have to change your car. Similarly, we can drive this machine called the body for so many years; then it becomes old and we have to change it for another machine. This is the process of birth and death.
Detach the anchor of attachment towards collecting wealth and attach your mind in chanting & remembering Lord Krishna.