Everything is recording in the Universe.
Only you can bring to afterlife world is amount of your virtue.
The budget decides your after life situation and next re-birth.
The true money is called Zentoku or Zentoku-Chokin in Japanese.
What are Zentoku?
First of all, tidy life style is basis of Zentoku.
Working, cleaning, eating properly...and so on.
Next, "Specific act" of kindness, conscience and mercy is important.
Taking care of your family with love is Zentoku.
Moreover, saving weak people has the greatest value.
But please note that your family is first.
Some people try to good things to others without family's happiness.
And you need to know who's true weak people.
Do not help a dishonest person who looks weak.
Just thinking about peace is not Zentoku.
You can gain highest interest by doing Butsudan, memorial ritual for your ancestor.
This Japanese style, ancient white magic saves many ancestors who are in uncomfortable places in afterlife world.
Butsudan ritual gives unlimited bank accounts to your ancestor.
Ancestor's situation reflects descendants very well.
You will get more flexibility in life.
→ Q and A
What are losses and deficit?
Biggest sin is killing yourself. (Suicide's spirit can't go heaven. Never)
Any crime. Especially traitor/betrayal of a country.
Love affair. Because your marriage is spiritual agreement between you and partner's families and ancestors.
If you have children and do love affair, it is worst.
Bad mouth.
Act of your EGO.
You can't go after life world with material, visible money.
The money was made to control people.
Discovery of the material money is one of Original Sin.
Another original sin is forgetting about true Gods.
We are already in God.
Anyway, what you did will be counted after you die.
Time of settling an account is Bardo.(49 days)
God will do bookkeeping until the day you die.
So, long life is important for your chance.