Karaagre Vasate Lakshmi

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First thing in the morning when you wake up, hold the both palms open in front of you and chant :


KaraAgre Vasate Lakshmi, Kara Madhye Saraswati
Kara Moole Sthitaa Govindaa, Prabhate Kara Darshanam


कराग्रे वसते लक्ष्मिः करमध्ये सरस्वति ।

करमूले तु गोविन्दः प्रभाते करदर्शनम् ॥


This shloka means, on the top of our palms resides Goddess Lakshmi, Saraswati on the middle and Lord Govinda at the base.

So we pray to Goddess Lakshmi for money, Goddess Saraswati for knowledge and Lord Govinda for good health.

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