Sri Chinmoy: If you find it difficult to meditate on the spiritual heart, you can concentrate on the physical heart in the chest. But after you meditate there for a few months or for a year then you will feel that inside the ordinary human heart is the divine heart. And inside the divine heart is the soul.
Inside the divine heart is light, but inside the human heart, we can see the operation of the emotional vital. The emotional vital is located around the navel. But from there it can come into the physical heart and ruin everything by creating attachment. If one can meditate on the spiritual heart, there can be no attachment. It is all detachment. So we start with the human heart, and from the human heart we have to enter into the divine heart. Otherwise, if we remain with the human heart, we will quite often become a victim to attachment and emotional problems.