SB 11.20.7
nirvinnanam jñana-yogo
nyasinam iha karmasu
tesv anirvinna-cittanam
karma-yogas tu kaminam
Translation:
Among these three paths, jñana-yoga, the path of philosophical speculation, is recommended for those who are disgusted with material life and are thus detached from ordinary, fruitive activities. Those who are not disgusted with material life, having many desires yet to fulfill, should seek perfection through the path of karma-yoga.
Purport:
In this verse the Lord reveals the different propensities that lead human beings to adopt different processes of perfection. Those who are frustrated in the ordinary material life of society, friendship and love, and who understand that promotion to heaven simply brings further domestic miseries, take directly to the path of knowledge. Through authorized philosophical discrimination they transcend the bonds of material existence. Those who are still desirous of enjoying material society, friendship and love, and who are excited by the prospect of going with their relatives to material heavenly planets, cannot take directly to the path of rigorous philosophical advancement, which requires great austerity. Such persons are advised to remain in family life and offer the fruits of their work to the Supreme. In this way, they also can become perfect and gradually learn detachment from material life.