Why does the mind waver violently with worldly thoughts and desires? Why does it refuse to calm down in meditation?

First of all, you must know that meditation is not the real path to attain the grace of the Lord. Meditation means fixing your mind on a form or formless God. You can imagine only that thing, which is in the realm of space-time. This means that you can meditate only upon a part of creation or the whole creation and not upon the Creator. God is not the creation and is also not in the creation. If God is the creation, you are also God and there is no need of any meditation. If God is in the creation, all the changes in the creation must affect the God. Kapila says “Asangohyayam purushah”, which means that God is not associated with creation. The Gita also says the same (Nachaaham Teshu...). God enters a small item of the creation and pervades all over that item for your service. This service alone is your proven love for Him. Do you meditate upon your parents, wife or children? No, because you have real love for them. You serve them directly and not their pictures or some other inert objects as their models. You serve them in their human forms. They are different from their human bodies since they are souls. But you serve the soul through the human body.

Similarly the Lord enters a human body and is available for you to show your true love. You must take pains to identify him. Do you not take pains to search for a suitable girl in order to marry her and show your true love to her? Take the help of the divine knowledge. The Vedas and the Gita have given the procedure to identify the human incarnation. In order to cut your bonds with your family members, who are also human beings, only another human form (human incarnation of God) is the equal competitor. Formless objects, statues and pictures cannot compete with your bonds with family. Your body is also a human form. The bond with money is only for the sake of human forms. If you develop a bond with the human incarnation, which is Lord Himself (Sadguru), He will bless you with divine knowledge, which alone can cut your worldly bonds. Since you have not fully realized this, your attachment persists. The attachment is intense only due to the high intensity of ignorance, which is nothing but misinterpreted and twisted wrong knowledge. Such ignorance can disappear only by the light of true divine knowledge.

The source of that knowledge is the Sadguru. Therefore, you must catch a Sadguru and hear His divine knowledge constantly. You must clarify your doubts at every stage. When you are fully clear, the ignorance disappears like the darkness in the presence of sunlight. Thus, the root cause is only ignorance and root remedy is only the true knowledge. When ignorance is associated with egoism and jealousy, it is like diabetes associated with hypertension and kidney-failure. Your case is not that serious because you only have ignorance. It will be easy to treat you.