CHAPTER 3: WHAT IS KARMIC DEBT? Karmic debt is an unseen force that affects our nancial life in ways we don’t always understand. It is the result of our past actions, shaping our present and future. Many people struggle with money not because they lack talent or effort, but because of unresolved debts from past lives. These debts come from times when we took more than we gave, broke promises, or used wealth in the wrong way. We often see people who are skilled and hardworking but still face nancial problems. Their struggles are not due to bad luck but because of karmic debts from their past. Even though they may not remember, their past actions stay with them. Until these debts are cleared, nancial peace is hard to nd. Renanubandha, or karmic bonds, connect us with others across lifetimes. Borrowing money is not just about nances; it is a karmic connection. Every loan or nancial deal ties our karma to someone else’s. If we borrow without repaying, we create a debt that must be settled, often in unexpected ways. Lending money is also a karmic test. If we lend with resentment or anger, we get trapped in a cycle of nancial struggles. Lord Kubera, the god of wealth, watches over these exchanges, ensuring that every debt is settled, whether we like it or not. He doesn’t just give wealth but also maintains the balance of give and take in the universe. Many wonder why they face endless nancial troubles despite working hard. The answer is often hidden in their past karmic debts. But Kubera’s blessings can help. Being honest in money matters, giving sel essly, and helping others can start clearing these debts. Kubera teaches that true wealth is not about keeping money but about sharing it. When we let wealth ow by helping others and supporting good causes, it grows even more. In this age of Kali Yuga, where everyone wants more, understanding karmic debt is important. Money is not just about hard work; it’s about having good karma. Kubera shows us that earning money with honesty and sharing it with kindness can free us from karmic debt and bring lasting wealth. Every coin we earn or spend affects our karma, and every nancial choice shapes our spiritual path.
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