How much do you ask for?
And from what you ask, how much do you take?
And from what you take, how much do you use?
And from what you use, how much do you thank for?
And from what you thank, how much do you appreciate?
And from what you appreciate, how much do you return?
This simple equation explains the concept of karma (debt) so many times mentioned. All what you asked for is not thanked, valued or used, even when having them all, if everything is not transformed in something to return to the Father, you still owe everything. Whatever you owe on Earth may not be paid but whatever you owe to Heaven must be returned in good time and appropriate manner because in good time and appropriate manner was given to you.
Do you understand?
You might think I´m talking about matter, wealth, may be luxury. Though, I´m taking about every beat of your heart which was given to you to fulfil a purpose and you might have wasted them for pleasure. You owe those as well when they don´t beat for Love.