Two main things that we do mistakes in our life. 1. We forget to submit our Karma Phala 2. We pray in GOD for things that come to us easily Yes, we perform various Karma as internally inspired, played, and executed by Lord only. But a player, we forget to submit Karma Phala to Lord. This leaves karma alone with us and does not qualify for Punya. Sometimes it's called as thieves who will take away our Punya. Same as all money earned is kept outside without packing and keeping inside. Secondly, we pray for things like job, salary, promotion, happines and health to GOd which are just some end results. While leaving behind roots of these results unasked from GOD. Papa Nasha and Punya Vruddhi are two main things that one should ask from lord and also his devotees like Yatigalu/saints etc. More you burn papa and protect your punya you will excel. Its like less loan and no wastage in earning means wealthy. Thus, keep your life and all karma simple to pray in Lord only for these two. T