Lobha, or intense covetousness, usually does not awaken until the devotee achieves steadiness at the completion of anartha-nivritti. This stage is called nistha. This means that anarthas must practically be all gone and that one can perform kirtan and bhajan without any distraction.As long as the anarthas of lust, anger, greed, envy, faultfinding, and desire for respect remain in the heart, and one commits offenses to the holy name, he lacks the qualification to covet such a relationship with Krishna. However, when the heart is purified through chanting and hearing about the Lord's pastimes in Vrindavana from a qualified devotee, then, symptomized by the stage of steadiness in chanting, one can meditate on such prayers to the Lord for perfectional
service.
(Collected Letters To My Disciples, Pg 13, last Paragraph)