As you know, Viraja, my lessons for daily life come from Mahabharata and the Puranas. Therefore I recommend the story of King Somakanta from Ganesha Purana, it deals with all the three Karmas – in better words the play of papa and punya - in detail. If you like puranic stories it will lift you up.
https://www.wisdomlib.org/hinduism/book/the-ganesha-purana/d/doc116215.html
Somakanta was the best king ever … suddenly he suffered on lepra. Bhrigu told him that, when he died in previous life, Yama asked him: ‚Do you want to experience good or bad karma first in next life?’ Somakanta decided for good karma first. Good karma was used up now. Then Bhrigu mentioned the medicine: ‘Read Ganesha Purana.’
And most important regarding your topic, transcending karma: ‘One must have accumulated innumerable merits in order to enjoy this Purana. The person afflicted with past life crimes loses the negative consequences of the past seven years because of Ganesha's kindness. Only those who are firm in devotion to Ganesha should hear it.’
This closes the circle.
By the way … I would have answered Yama’s question different … I had taken bad karma first. But even here the question arises: Did he have the free will to answer the question or was ‘good karma first’ destined?
Regarding free will, there is so much written about by famous philosophers. I am the one who does not believe in much free will. I see myself as an actor on the stage of the cosmic lila, trying to play my role as good as possible. After having read Advaita I know it’s maya anyway.
Pranam
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