My Dear Sweet Friends,
Karma is the same rule that all sages promulgate, that is; we reap what we sow. However, if we seek to Love with a pure heart, we shall not suffer from the cleansing needed to enter into the spiritual realms after our bodies die. But, if our lives art spent serving money as a god, as the world doeth, then that produceth baggage that we canst not take into the spiritual realms after the death of the body. We must be cleanse of that baggage, and that produceth some pain.
Even so, once we hath spent so much time in the hereafter, after we hast rested a while, then doeth the pull of the physical realm upon our being bring us back into a physical birth. That birth mayest be in a "Hell-world", such as is Earth today and yesterday, or unto a "Heaven-world" as spoken of by Jesus the Christ. That next incarnated life that we live, and the type of world that we live it in, shall be decide by the living of a life seeking the material, or that of a spiritual living.