Question on Dhammapada verse

In this verse of the Dhammapada, > Those who in youth have not led the holy life, or have failed to > acquire wealth, languish like old cranes in the pond without fish. Dhammapada 155. Do those who have failed to acquire wealth refer to those who have decided to remain householders and didn't manage to properly earn a living, in order to for example raise a family, or does wealth refer here to spiritual qualities and virtues ? With metta.