In detail
https://www.srigurugranth.org/0077.html
pihlY phrY rYix kY vxjwirAw imqRw Dir pwieqw audrY mwih ] (77-7)
pahilai pahrai rai
n kai va
njaari-aa mi
traa
Dhar paa-i
taa u
drai maahi.
In the first watch of the night, O my merchant friend, the Lord placed your soul in the womb.
dsI mwsI mwnsu kIAw vxjwirAw imqRw kir muhliq krm kmwih ] (77-8)
dasee maasee maanas kee-aa va
njaari-aa mi
traa kar muhla
t karam kamaahi.
In the tenth month, you were made into a human being, O my merchant friend, and you were given your allotted time to perform good deeds.
muhliq kir dInI krm kmwxy jYsw ilKqu Duir pwieAw ] (77-8)
muhla
t kar
deenee karam kamaa
nay jaisaa li
kha
t Dhur paa-i-aa.
You were given this time to perform good deeds, according to your pre-ordained destiny.
mwq ipqw BweI suq binqw iqn BIqir pRBU sMjoieAw ] (77-9)
maa
t pi
taa
bhaa-ee su
t bani
taa
tin
bhee
tar para
bhoo sanjo-i-aa.
God placed you with your mother, father, brothers, sons and wife.
krm sukrm krwey Awpy iesu jMqY vis ikCu nwih ] (77-9)
karam sukaram karaa-ay aapay is jan
tai vas ki
chh naahi.
God Himself is the Cause of causes, good and bad-no one has control over these things.
khu nwnk pRwxI pihlY phrY Dir pwieqw audrY mwih ]1] (77-10)
kaho naanak paraa
nee pahilai pahrai
Dhar paa-i
taa u
drai maahi. ||1||
Says Nanak, O mortal, in the first watch of the night, the soul is placed in the womb. ||1||
dUjY phrY rYix kY vxjwirAw imqRw Bir juAwnI lhrI dyie ] (77-11)
doojai pahrai rai
n kai va
njaari-aa mi
traa
bhar ju-aanee lahree
day-ay.
In the second watch of the night, O my merchant friend, the fullness of youth rises in you like waves.
burw Blw n pCwxeI vxjwirAw imqRw mnu mqw AhMmyie ] (77-11)
buraa
bhalaa na pa
chhaa
n-ee va
njaari-aa mi
traa man ma
taa ahamay-ay.
You do not distinguish between good and evil, O my merchant friend-your mind is intoxicated with ego.
burw Blw n pCwxY pRwxI AwgY pMQu krwrw ] (77-12)
buraa
bhalaa na pa
chhaa
nai paraa
nee aagai panth karaaraa.
Mortal beings do not distinguish between good and evil, and the road ahead is treacherous.
pUrw siqguru kbhUM n syivAw isir TwFy jm jMdwrw ] (77-12)
pooraa sa
tgur kabahooN na sayvi-aa sir
thaa
dhay jam jan
daaraa.
They never serve the Perfect True Guru, and the cruel tyrant Death stands over their heads.
Drm rwie jb pkris bvry qb ikAw jbwbu kryie ] (77-13)
Dharam raa-ay jab pakras bavray
tab ki-aa jabaab karay-i.
When the Righteous Judge seizes you and interrogates you, O madman, what answer will you give him then?
khu nwnk dUjY phrY pRwxI Bir jobnu lhrI dyie ]2] (77-13)
kaho naanak
doojai pahrai paraa
nee
bhar joban lahree
day-ay. ||2||
Says Nanak, in the second watch of the night, O mortal, the fullness of youth tosses you about like waves in the storm. ||2||
qIjY phrY rYix kY vxjwirAw imqRw ibKu sMcY AMDu AigAwnu ] (77-14)
teejai pahrai rai
n kai va
njaari-aa mi
traa bi
kh sanchai an
Dh agi-aan.
In the third watch of the night, O my merchant friend, the blind and ignorant person gathers poison.
puiqR kliqR moih lpitAw vxjwirAw imqRw AMqir lhir loBwnu ] (77-15)
pu
tir kal
tir mohi lapti-aa va
njaari-aa mi
traa an
tar lahar lo
bhaan.
He is entangled in emotional attachment to his wife and sons, O my merchant friend, and deep within him, the waves of greed are rising up.
AMqir lhir loBwnu prwnI so pRBu iciq n AwvY ] (77-15)
an
tar lahar lo
bhaan paraanee so para
bh chi
t na aavai.
The waves of greed are rising up within him, and he does not remember God.
swDsMgiq isau sMgu n kIAw bhu jonI duKu pwvY ] (77-16)
saa
Dhsanga
t si-o sang na kee-aa baho jonee
du
kh paavai.
He does not join the Saadh Sangat, the Company of the Holy, and he suffers in terrible pain through countless incarnations.
isrjnhwru ivswirAw suAwmI iek inmK n lgo iDAwnu ] (77-17)
sirjanhaar visaari-aa su-aamee ik nima
kh na lago
Dhi-aan.
He has forgotten the Creator, his Lord and Master, and he does not meditate on Him, even for an instant.
khu nwnk pRwxI qIjY phrY ibKu sMcy AMDu AigAwnu ]3] (77-17)
kaho naanak paraa
nee
teejai pahrai bi
kh sanchay an
Dh agi-aan. ||3||
Says Nanak, in the third watch of the night, the blind and ignorant person gathers poison. ||3||
cauQY phrY rYix kY vxjwirAw imqRw idnu nyVY AwieAw soie ] (77-18)
cha-uthai pahrai rai
n kai va
njaari-aa mi
traa
din nay
rhai aa-i-aa so-ay.
In the fourth watch of the night, O my merchant friend, that day is drawing near.
gurmuiK nwmu smwil qUM vxjwirAw imqRw qyrw drgh bylI hoie ] (77-18)
gurmu
kh naam samaal
tooN va
njaari-aa mi
traa
tayraa
dargeh baylee ho-ay.
As Gurmukh, remember the Naam, O my merchant friend. It shall be your Friend in the Court of the Lord.
gurmuiK nwmu smwil prwxI AMqy hoie sKweI ] (77-19)
gurmu
kh naam samaal paraa
nee an
tay ho-ay sa
khaa-ee.
As Gurmukh, remember the Naam, O mortal; in the end, it shall be your only companion.
Gurmukh means someone who accepts God's grace and love
Naam - recitation of God's name - whatever in your religion - They are all the same.