If someone only live to not help others, they will have the desire to have helped, and will incur the desire to help and become karmic debt.
Also if you gain good luck, you need to help others in need, because good life smooth life relies on good deeds you do.
By helping and donating by actions through thoughts, you will increase your good karma many-fold. If you can do kind deeds do it, and your life will ease the burdens!
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