Karma

Last week we touched on the definition of Karma. Today let’s discuss the law of Karma. It could be summarized in two parts. 1) General characteristics of Karma; and 2) Particular types of action and their effects. There are four general characteristics of Karma. A) The results of actions are definite; B) The results of actions increase; C) If an action is not performed its results cannot be experienced; D) An action is never wasted. So let’s break this down to understand each characteristic of Karma.

We will begin with the first one – the results are actions are definite. What does that mean? It sounds like a lot of mumbo jumbos. In simplest terms, it means that once we create Karma, we will certainly have to bear the consequences of that Karma. For example, if we sow a pea seed in the garden, we will notice that only pea grows and not wheat. It’s worth looking at the main causes of different sufferings human beings experience. If we are experiencing mental disturbances, that is because in the past – not necessarily in this lifetime – we disturbed the minds of others. Similarly, if we are experiencing physical pain, in the past, we injured other living beings. If the main cause is absent it is not possible to experience its result. The main cause of suffering from hunger and thirst is stealing food and drinks from others in the past. However, when we are going through the suffering, we do not see the correlation and feel that life is not fair and there is a big conspiracy against us or that justice is not being served. We think like that because we assume that the negative consequences only are related to our actions in this life. And since we don’t see anything we may have done in this life to deserve this, we just don’t see this as being fair. In reality, most of our experiences in this life are caused by actions we have committed in our past lives.

This reminds me of a story I heard repeatedly growing up. Some of you may have heard this story. There was this assassin who would kill a few people every month. He met a yogi one day and the yogi asked him why he was going down this path of destruction. The assassin said that he was doing it for the welfare of his family so his wife would have nice things and his kids will grow up in affluence.  So the Yogi asked him if he had asked his family if they would be willing to bear the results of his negative Karma. The assassin thought it was a fair question to ask so he went and asked his family, and no one was willing to accept the consequences of his negative Karma. This is when he realized it was not worth it for him to continue doing what he was doing.

So we must realize that the quality of our present actions creates the quality of our future experiences. Since we put very little focus on this, we tend to create negative Karma for short-term happiness resulting in future suffering.

Let’s look at the second characteristic. The results of actions increase. What this means is that even a small negative Karma can bring a lot of suffering and a small positive Karma can bring a lot of happiness. The power to produce results of Karma grows by the day just like an acorn grows slowly into a large Oak tree. This is why it is important to purify our negative Karma as we discussed at the end of our last session.

The next characteristic of Karma is that if an action is not performed its results cannot be experienced.  We read in the news that sometimes there is a plane crash or something huge and there is a lone survivor whose life was spared against all odds. That is because the survivor did not create Karma to die at that time.

The last characteristic of Karma is that an action is never wasted. This is very important to understand. The karma we create by our actions cannot simply go away or we cannot give them away to someone else to avoid its results. I am sure we all had been in situations where we say, I wish I could take their pain. But that is simply not possible. Although the mental intention that started the action in the past has ceased, the potentialities that create do not cease until it ripens. What does that mean? For example, let’s say we kill a mosquito with a vengeance. If all the causes for us to experience the effect of that action do not come together, those potentialities remain in our mind until it ripens. Sometimes it could take a number of lifetimes before these negative Karma ripens. If you look at the example of our gardening, if we sow a pea seed, it still needs the right environment such as good soil, fertilizer, water, and sunshine before it can grow. So pea we sow is not wasted it is just waiting for appropriate conditions to arise.

So the best way to avoid future suffering is to maintain moral discipline. Now just because we understand the consequences of our negative Karma, does not mean that we are able to avoid them immediately. Because of our mental habits, some negative Karma we are not able to avoid instantly but there are others, that we should be able to avoid now that we understand their consequences. If we try to remove all of these at once, we may get really tensed which is not a good thing. So it is important to remove these layers of negative Karma one at a time.

I know there is a lot to digest but these are important lessons of Karma and hopefully, we can keep digging deeper in the next few sessions.

In today’s mediation, we will begin with settling down at our hearts as always. Once we are settled, let’s contemplate the effects of Karma. How negative Karma will bring future suffering and how positive Karma will bring future happiness. Once we contemplate this, we make a determination that we will abandon negative Karma and engage in positive Karma. We then hold to that determination single-pointedly as long as we can. If we lose our determination, we go back to contemplation and bring the determination back.

Karma

We are going to start a series on Karma today. This is a very deep subject so I want to make sure we give enough attention to make sure we have a chance to really understand the subject matter. I am sure you have heard the phrase what goes around comes around. Or you reap what you sow. These are just reminders of how Karma works. Actually, Karma works in much more mysterious ways. But in general, virtuous Karma creates pleasant experiences and non-virtuous Karma creates unpleasant experiences. Let’s look at what is Karma. Karma is a body or speech action initiated by mental action. One cannot create Karma with just bodily action without a mental intention. For example, if I accidentally slap you when trying to get a bee out of your face, I do not create negative Karma since I did not have the intention to slap you. So every time we create a mental action, it leaves what is known as a Karmic imprint on our mind. Essentially, it leaves a potentiality in our minds. This potentiality ripens when the conditions are just right and we feel the effect of those Karma—negative or positive. How come we don’t see the effects of our Karma immediately you might ask? It is very simple. Let’s say you saw a seed in the soil. Now until there is rain, there are no conditions for that seed to ripen and become a plant. Just like that the conditions have to be right for the potentiality of our Karma to ripen.

Another thing to understand is that no two living beings have the exact same set of Karma. Each one of us has a different individual Karma that explains why each one of us has a unique set of experiences. The laws of Karma are why every individual has a unique mental disposition, unique physical appearance, and unique experience. You may notice that some people are prone to accidents or illness while others enjoy pleasant experiences. Some people are difficult to please and others are happy no matter the circumstances. Our acquaintances and relationships are also based on Karma. You may have noticed that you have a very close relationship with someone and after some time they almost disappear from your life. Your friendships end sometimes abruptly and you never talk again to that person. This is because of your karmic relationship with that person and once Karma is used up, there is no more bond. One of my relatives said it very matter of factly once. He used to have this friend with whom they will hang out twice a week. Over time, they drifted apart and stopped seeing each other. Once I was visiting with him and said I don’t see your friend anymore. He said, Raju, our Karmic bond must be over.

An important point to note is that Karma can ripen anytime. It is not necessary for one lifetime’s Karma to ripen in the same lifetime. In fact, often they don’t. This means Karma we have created may ripen if the appropriate circumstances and potentialities arise. That may explain why seemingly nice people sometimes end up suffering immense pain. There is also something called collective Karma. A group of people and their collective Karma ripen that creates external circumstances. For example, some places are always going through wars and atrocities that go along with them. Some places are prone to natural disasters and so on.  This is why we need to make sure that we avoid negative or non-virtuous actions. If we understand the law of Karma, we will understand how we can control our future experiences. If we abandon negative Karma, we will eliminate miserable experiences and by practicing virtuous Karma, we will increase our potential for happiness. We must be mindful throughout the day to make sure that we are not creating negative Karma.

How much is enough?

I was a guest on the Mindful Fire podcast released today. So I thought it would be appropriate to talk about one question that kept coming back again and again on this podcast. Before we dig in a little about the podcast. Host of Mindful Fire Adam Coelho is a 10 year Google veteran and is passionate about financial independence and mindfulness. During our interview, he asked several times, how did I know I had enough when I decided to retire. So let’s dig into this age-old question How much is enough?

In our previous contentment discussion, we talked about how if you have food, clothing, shelter, and healthcare, you are luckier than 99.9% of the rest of the world. At times, it may not seem like that but think about it, how many people are struggling to put food on the table daily? What does that mean to be financially independent? If you are making more money than you did five or ten years ago, when do you believe you have reached a point where you have enough money without any worries for the future?

Wall Street has a formula for how much is enough. I am sure a lot of you know the classic 4% rule they have been preaching for the better part of four decades. It says that you should have 25 times your annual expenses tucked away in order to retire. Meaning, if you take a 4% annual withdrawal from your savings, based on average market returns will make sure that you outlast your money. Now, I have reservations about this formula because no two people are alike. If you own some rental real estate that is producing enough to cover your expenses, you may not need the 25 times your expenses. My point however is not about any formula. What I am here to argue is that it is a moving target. If you think about it, your expenses are much higher today than they were when you were just starting in the real world! As your income kept increasing, so did your lifestyle and expenses.

So let’s discuss how much is enough in the context of our expenses. We live in this consumption culture where everyone wants the next best thing that is being bombarded by advertisements and marketing experts. I remember, we used to use our mobile phones for three to four years on average. Now, these devices are being replaced annually or every two years at most. Does everyone need that iPhone 12? And it is just not about mobile phones. We used to live in a house for all our lives—that is where the 30-year mortgage was originated. Now people keep moving “up” every three to five years. our consumption culture is creating a lifestyle that has become so expensive that the majority of our households need two incomes to run a household. That has reduced family time and relaxation time for the entire society. We are the most tired nation on earth. Here is an interesting tidbit—people are so afraid to lose their jobs that they are checking emails on their vacation! So the first thing we need to do is reduce our consumption. That is good for us individually as well as the society as a whole—think about the resources we will save. Once we curtail our consumption, obviously it will reduce our “number” for financial independence no matter what formula we use.

Another point I would like to make is that most people think that financial independence is that destination. They will reach that someday and their life will change! It is never like that. One thing I have often advocated is to “leg in” to your financial independence. If you think you are halfway there, for example, try making some changes in your life and begin to do what you would want to do during retirement. You never know what you may and may not enjoy. So don’t wait till that someday, begin living your life today!

The last thing I would say is that figure out your purpose. Because there is only so much golf one can play. If you are fortunate enough to reach that financial independence, you may get bored or even depressed if you don’t have a plan for it. The best way to avoid that is to make sure that you have a purpose for which you are passionate. Whatever that may be for you but it is important to figure that out before you call it quits. I may have said this before but start volunteering for your favorite cause. Just a couple of hours per week. You would be amazed what giving back does to our mental health.

Motivation

If you are like most people, you are not able to maintain your meditation practice on a daily basis. Why is that? For the most part, motivation or lack of it has a lot to do with it. I am sure you think there is just not enough time in the day. But with motivation, time would never be an issue. So let’s talk about motivation in detail today.

It is one thing to discuss the motivation for meditation but motivation is necessary for everything you want to do in life. How do you develop motivation? I read something interesting the other day and it really caught my eyes. When you set out to do something whatever that may be, have you noticed at times you are all ready to go and jump right into it until the task is complete? Other times, those things just stay on your task list and you keep postponing the task as long as you possibly can. Why is that? The root cause for this is a lack of motivation.

Next time you are set out to tackle a big item, do me a favor, make a list of 25 reasons why you want to do something. You may say, why 25 reasons? Why can’t I just have one reason? You can, but in my experience, the first few reasons tend to be superficial. They are usually, what you are telling yourself or what you want people to believe. Once you start writing this down on a piece of paper, by the time you come to reasons 15, 20, and 23, the real reason comes out. Your hopes and dreams, your enthusiasm will display themselves. Once these reasons show themselves, motivation naturally comes. There is no more reason to procrastinate because now you know exactly what it is that you doing this for. So when do you get motivated? This is another interesting part. Usually, you will notice that motivation comes once you begin a process. If you look at where a task tends to have difficulty, it is usually, in the beginning, having difficulty getting off the ground and then towards the end getting it to a finish line. In between, momentum usually carries the day. So when the task begins, we need motivation and that is when the list of reasons comes in very handy. Once a task gets going and reaches the finish line, a lot of people wrap up before they get it to where they really wanted it to see. They call it good enough. This is another place you need motivation. At this time, going back to those really deep reasons—reasons 18, 22, 24 come in really handy. Once we get the boost of the motivation getting it to the best possible end is just a matter of time and process.

So now that we know how we can tackle obstacles, let’s use this to overcome our lack of daily meditation practice. If you would make a list of why you want to meditate. Again, at least have 25 reasons to meditate. Once you have developed that list, you will notice that I don’t have time or that life gets in the way or I need to take care of my family and all other superficial excuses will just melt away. In my experience, there is such not having the time it is just a lack of importance we put on whatever that we are not doing. If it is important enough, you will make time. We all have the same amount of time no one has 25 hours in a day. Let’s make sure we put importance on our own peace of mind over the business of life. This is similar to the four-quadrant we discussed a few episodes ago about urgent vs important. Let’s not get the urgency of life get in the way of the importance of keeping a peaceful mind. A peaceful mind will help us carry throughout the day. Hopefully, you will get motivated to develop motivation for your meditation practice!

Emptiness of Body

We started talking about the profound subject of emptiness in the last session. We will continue with that in today’s session. Today, we are going to look at something you may find radical. Since we are talking about there being no inherent existence on its side. How about our body? Our body seems as real as anything we have ever encountered.

Let’s look at the way in which we look at our body. Most of us cling to our body strongly and have our identity tied to our body. When we think of our body, we are vividly thinking of our body and not our arms, legs, etc. We tend to imagine our body independent of parts of our body.

So let’s go and find that vividly existing body that we all identify with. For our body to exist inherently, there are only three possibilities. Our body exists as one of its parts, the collection of its parts or outside of its parts. That’s it there is no fourth possibility. So as long as we agree that there are only three possibilities in which our body can exist inherently, let’s go and find out body.

So let’s look at the first possibility. We can take a look at each of our parts independently.  Let’s start with our legs. Is our leg our body? The easiest way to look at this is to think about what happens if one of our legs needs to be amputated. If we don’t have one of our legs, we will still say that the body without one of our legs is still our body. So obviously our leg is not our body. Hopefully, you are with me so far. This same logic we can apply to our arms. So in that case, we can all agree that our limbs are not our body.

Now take a look at our organs. How about our kidneys? Is the kidney our body? Our friend and fellow meditator Chirag has the first-hand experience on this. A few years ago he went through a kidney transplant. So in his body, he has his sister’s kidney. So Chirag’s body is fine without his original kidney and we still call it Chirag’s body. So we can all agree that our kidney is not our body. With that same logic, each of our organs is transplantable. If each of our organs is transplantable, then we can safely say that our organs are not the body. That leaves our skin. Science tells us that human skin cells are replaced every 28 days. So that means our skin cannot be our body.

So by now we have looked at each part of our body and concluded that we cannot find our body in its individual parts. How about the collection of these parts. I will address this with an example. We went for a Safari a few years ago. My wife really wanted to see a black rhino. We saw a lion and that we know is not a rhino. We saw an elephant and we knew that was not a rhino. We saw a cheetah and no, that is not a rhino. Now can I tell my wife that honey, I know a lion or an elephant or a cheetah in itself is not a rhino but collectively we can call it a rhino. How absurd will that sound? So my point is that a collection of things that are not the body cannot be a body. And we know that each individual part is not the body.

So how about finding this body outside of its parts. Where we even begin to look for it? In a closet? In the car? In some other City? It just does not make sense. So we can surely say that our body does not exist outside of its parts.

So we have looked at the body and could not find it in its parts, collection of its parts, or the outside of its parts. So there is not the inherently existing body. We cling to it anyway. Shantideva, a great Indian scholar once said that at dusk time, when we are walking a pile of stones may look like a human body to us. It is just like that. Because of the darkness of our ignorance, we are clinging to this body as inherently existent. If we truly search for our body in a meditation session, we will realize that it is nothing but the manifestation of the emptiness.

Now some of you may ask but I see this body clearly. Yes, you do. And that is just an imputation. It’s a body because we all decided to call it a body. That does not give it an inherent existence. Meaning it has an imputed or dependent existence.

Hope this makes a little sense. I know it is a lot to unpack. This is a little profound and may take some time to realize. But we will all get there with some examples and meditation.