The kind of life we will lead has already been arranged. This is due to fixed karma. There is another kind of karma that is stored and will cause something to happen when conditions are right. After initiation, the enlightened Master erases the karma that we had created life after life, but does not erase the fixed karma, because without fixed karma, we cannot live in this world. Therefore, fixed karma cannot and should not be transformed; we have to remain in this world for some time in order to practice spiritually and help the world and sentient beings.
Besides fixed karma, we also create new karma during our time in this world. To be liberated in one lifetime, we have to pay off the new karma immediately. As a result, it becomes difficult for us to bear and pay off the two types of karma together. If we follow Master's instructions and meditate two-and-a-half hours each day, the new karma will be paid off and life will be relatively simple . However, sometimes if we do not meditate, it will affect us physically or mentally.