Short Answer
Karma is real in the Cosmic Agency framework, but it is not what most people think it is. It is not a cosmic law of justice, not an inescapable debt ledger administered by higher beings, and not a punishment mechanism. In the Taygetan view, karma is simply the accumulated movements of your consciousness — your actions, thoughts, attachments, and unresolved experiences — and their natural consequences within the reality you inhabit. It is, as Swaruu of Erra puts it, like game money in a board game: entirely valid and functional while you are playing, but meaningless the moment you stop.
The crucial distinction the speakers make is between karma as cause-and-effect (which is real and operative at every level of existence) and karma as cosmic debt (which is a belief system that has been weaponised to keep souls reincarnating). The Andromedan model of karma — which is also the model inherited by Earth's Eastern religions — treats karma as an inescapable force that binds you across lifetimes. The Taygetan model rejects this entirely: you carry karma only because you choose to carry it. The moment you understand this, forgive others, and above all forgive yourself, the karma dissolves. It was never an external chain. It was an internal belief that generated the chain.
This is not just a philosophical difference. It has direct consequences for what happens at death and whether you reincarnate. If you die believing you owe karmic debts, you will manifest the experience of being held accountable for those debts in the afterlife. If you die understanding that karma is self-imposed and have done the inner work to release it, no force in the universe compels you to return.
The Full Picture
Karma as Game Money: The Taygetan Position
The most comprehensive treatment of karma comes from Swaruu of Erra in transcript 025, and her central metaphor is Monopoly money. Karma, she says, is like the currency in a board game. While you are playing, the money is entirely real within the context of the game — it buys things, it determines outcomes, it matters. But the instant you stop playing, it has no value whatsoever. You do not owe Monopoly debts after the game ends.
The incarnation cycle is the game. Karma operates within it as a genuine mechanism of cause and effect — your actions create ripples, your focus attracts corresponding experiences, and the Matrix reflects back to you what you put into it. In this sense, karma is real. It is the movement of your consciousness through reality, and it has consequences. Swaruu compares it to a credit card statement — it is simply the record of your movements, your decisions, and their outcomes.
But the interpretation of that record as debt — as something you must pay off before you can be free — is where the distortion lies. This interpretation was not always part of the concept. Swaruu explains that the word karma simply means movement. The idea that movements create inescapable obligations that bind you across lifetimes is a particular interpretation, one that has been adopted by most of the galaxy (through the Andromedan model) and imported to Earth through Eastern religions. But the Taygetans, after thousands of years of incarnations and reflection, arrived at a different conclusion: you carry karma because you choose to carry it.
The Andromedan Model vs. the Taygetan Model
This is one of the rare points where the Taygetans explicitly disagree with other positive star races. The Andromedan concept of karma — which Swaruu identifies as the most widely used model in the galaxy — treats karma as a binding force. Actions generate karmic connections that must be resolved. Races that hold this model are, in Swaruu's words, afraid of karma. Many star races avoid involvement in Earth-related issues specifically because they fear generating karmic entanglement — that Earth's problems will somehow become theirs.
The Taygetans reject this. Their position is that karma as cosmic debt is a relic — old, outdated, and in need of revision. It exists for those who take it seriously, because belief generates reality. But it is not an objective cosmic law that operates independently of consciousness. The Andromedans developed the model, and over a million years it became the galactic standard, eventually being seeded into Earth's cultures through the far east. On Earth, the concept was then further complicated with additional layers — individual karma, family karma, regional karma, national karma, planetary karma, and specialised categories like Katancia, Kamaduro, and Karmasaya — none of which Swaruu regards as anything more than human overcomplications of an already distorted concept.
The Taygetan revision is elegantly simple: karma is what you make of it. The record of your actions is real. The interpretation of that record as unpayable debt is a choice. And that choice can be revoked.
The Trap Mechanism: Karma as Reincarnation Engine
The speakers identify karma as one of the primary mechanisms by which souls are kept in the reincarnation cycle — not through external force, but through internal belief. Swaruu of Erra describes the process: a person lives a life, makes mistakes, accumulates guilt and unresolved experiences. When they die, they carry those feelings to the other side. In the afterlife, still holding the belief that they owe something, they are easily convinced — by themselves, by the mirroring effect of the higher planes, or by entities that exploit the situation — that they must reincarnate to "make it right."
Her example is visceral: a soldier who killed children in one life dies consumed by guilt. In the afterlife, unable to bear what he did, he decides to reincarnate as a child in a war zone — to experience the other side, to "pay" for what he did. But this payment never ends. The child dies traumatically, generating new guilt and new karmic entanglement, and the cycle repeats. The very attempt to resolve karma through reincarnation generates more karma.
This is why Swaruu insists the cycle must simply stop. You cannot achieve a perfect life. You cannot pay off every debt. The pursuit of karmic resolution is itself the trap, because it guarantees you will always find something that needs fixing. The only exit is understanding that the entire framework of debt and payment is a choice, not a law, and choosing to let it go.
The Catholic Parallel: Sin as Karma by Another Name
Swaruu draws an illuminating parallel between Eastern karma and Western sin. When Gosia asks whether people raised without the concept of karma — such as Catholics — escape the reincarnation wheel, Swaruu points out that Catholics have their own version: sin. The mechanism is identical. You accumulate transgressions, you feel guilt, and that guilt drives your post-death experience.
She notes that the Catholic Church originally included reincarnation in its teachings, but removed it between 850 and 900 AD because peasants, brutalised by Church exploitation, were committing suicide in massive numbers — believing they would simply reincarnate into better circumstances. The Church edited the doctrine to make this life the only one, adding the threat of eternal damnation to prevent further suicides. The theological change was not spiritual revelation; it was population control.
The practical consequence is striking. Catholics who die without believing in reincarnation initially manifest their expectations in the afterlife — whatever their faith told them to expect. But then, Swaruu says, agents of the system present them with a choice: reincarnate to redeem your sins, or face eternal hellfire. Terrified, the manipulated souls willingly reincarnate. The karmic mechanism operates regardless of which cultural label it carries.
And what of genuine atheists — people who die with no belief in karma, sin, or cosmic debt? If they truly believe they are free, Swaruu says simply, then they are. They return to Source and decide from there whether, where, and when to incarnate. The absence of a karmic belief system is, paradoxically, the most liberating spiritual position one can hold.
Soul Contracts: Self-Imposed, Not Binding
Yazhi Swaruu addresses the relationship between karma and soul contracts in transcript 374. Contracts, she explains, are settings you imposed upon yourself before incarnating — parameters for the experience you wanted to have. They are not externally enforced agreements. There is no cosmic authority that penalises you for failing to fulfill a contract.
Gosia makes this point directly in the conversation: the contract was only with myself. There is no karma or punishment if I do not fulfill it. I will not have to come back to execute it again if I do not want to. The consequences are only self-imposed.
Yazhi agrees. She sees no greater mission other than the one you impose upon yourself. If you are certain you do not want to return, you will not. The key is learning to let go — releasing the compulsion to go back and "get it right." A perfect life cannot ever be achieved, she says. It is a trap. You cannot ever get everything right. The instruction is to go home, to let things go, to forgive others and above all to forgive yourself.
This directly parallels the karma teaching: both karma and contracts are self-imposed frameworks that feel binding only as long as you believe they are. Both dissolve when the underlying belief dissolves. And both can be used — either by the soul itself or by external manipulators — to perpetuate the reincarnation cycle indefinitely.
Dissolving Karma: The Practical Path
The practical instructions across speakers converge into a clear sequence. First, understand what karma actually is — not cosmic law, but the accumulated movements of your consciousness and your chosen interpretation of them. Second, do the shadow work. Swaruu explicitly connects karma dissolution to shadow work — the systematic introspection into your internal programming, your childhood conditioning, your automatic reactions and their origins. You cannot genuinely let go of karma while unconscious of why you are holding it.
Third, transcend duality. As long as you operate within a framework of good and evil, right and wrong as absolute categories, you remain within the karma paradigm. Swaruu states that good and evil are only relative to the observer, and that all apparent conflict is simply a contraposition of interests. To dissolve karma, you must transcend this dualistic thinking — not by denying that actions have consequences, but by understanding that the moral framework you use to judge those consequences is itself a construction.
Fourth, forgive — others first, yourself above all. Swaruu returns to this point repeatedly, with increasing emphasis. There is no harder judge than yourself, she says. The karmic debt that feels most real, most inescapable, is the debt you owe to yourself for things you believe you did wrong. Releasing that self-judgment is the final and most difficult step.
Fifth, hold clear intention at death. Karma as game money is still valid in the afterlife, because even dead you are still playing the game. You must arrive at death with firm intention — knowing where you want to go, refusing to accept that you owe debts, declaring yourself as Source with free will. The afterlife contains its own Matrix, and the brainwashing you accumulated in life travels with you. The work must be done from the incarnated side, Swaruu insists, because on the other side there are too many distractions — you are too happy and fulfilled to be free of physicality to even care about karma, and in that unguarded state you may be convinced to return.
Evolution of Understanding Across Speakers
Swaruu of Erra (Swaruu 9) provides the definitive Taygetan position on karma in transcript 025: karma as Monopoly money, valid only within the game; the Andromedan model as the galactic standard that was imported to Earth; karma as self-imposed and dissolvable through understanding, forgiveness, and transcendence of duality; and the practical instruction to have clear intention at death to avoid being convinced to return.
Yazhi Swaruu extends the framework through soul contracts in transcript 374: contracts are self-set parameters for the incarnation experience with no external enforcement; there is no punishment for unfulfilled contracts; the compulsion to "get it right" is itself the trap; and the only real mission is the one you impose upon yourself. In transcript 143, she adds that from the highest perspective everything is planned — including apparent atrocities — but ethics apply at the level you are living, and the "plan from above" does not exempt anyone from responsibility at their level.
Mari Swaruu contributes the belief-system mechanism from S-235: forced reincarnation exists for those whose beliefs produce it and does not exist for those whose beliefs do not; controllers engineer population beliefs to include karmic debt as a reincarnation driver; and the power to refuse reincarnation operates through maintaining your own vibration and belief systems. In S-222, she adds the ethical dimension: the higher self plans lives of suffering for the incarnated version without that version's consent, and the only way around this is to become your own higher self while alive.
Key Transcript References
| Transcript | Speaker(s) | Key Contribution |
|---|---|---|
| 025 | Swaruu of Erra (9) | Definitive Taygetan karma position: Monopoly money only valid in the game; Andromedan model vs Taygetan model; karma as self-imposed choice not cosmic law; dissolve through forgiveness especially self-forgiveness; transcend duality; shadow work required; clear intention at death; Catholic sin as equivalent mechanism; atheists with no karmic belief are paradoxically freest |
| 374 | Yazhi Swaruu | Soul contracts are self-set not externally enforced; no punishment for unfulfilled contracts; compulsion to "get it right" is the trap; no greater mission than self-imposed one; learn to let go; perfect life is impossible — go home |
| 143 | Yazhi Swaruu | From above everything planned including atrocities; ethics apply at level you're living; souls cannot be trapped except by choice; mass exit from Matrix as souls tire of game |
| 062 | Swaruu of Erra (9) | Afterlife governed by frequency match; what you believe you manifest in higher planes; guilt and attachments create post-death reality; violent death creates loops |
| 173 | Yazhi Swaruu | Soul looping as cyclical reincarnation driven by unresolved frequency; souls blame external forces for self-created patterns; frequency match not conscious choice drives repetition |
| S-235 | Mari Swaruu | Forced reincarnation depends on belief systems; controllers engineer beliefs that produce karmic reincarnation patterns; veil of forgetfulness exists off-Earth; power to refuse is real and operates through vibration |
| S-222 | Mari Swaruu | Higher self plans life without incarnated version's consent; ethical problem of using incarnated suffering for higher self advancement; solution is to become own higher self while alive |
| 131 | Yazhi Swaruu | Disincarnation does not remove Matrix — you are the Matrix; higher self is "not so higher" — still has limited understanding; be your higher self now through self-love; Broken Shoes in mud can be someone's higher self |