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Jnana-Yoga 16.15

Swami Vivekananda, in his own words

When a man wants to go to heaven and does good works for that purpose, he becomes as good and does not as such store up any bad Karma. He just enjoys the effects of the good work he did on earth; and when this good Karma is exhausted, there come, upon him the resultant force of all the evil Karma he had previously stored up in life, and that brings him down again to this earth. In the same way, those that become ghosts remain in that state, not giving rise to fresh Karma, but suffer the evil results of their past misdeeds, and later on remain for a time in an animal body without causing any fresh Karma. When that period is finished, they too become men again. The states of reward and punishment due to good and bad Karmas are devoid of the force generating fresh Karmas; they have only to be enjoyed or suffered. If there is an extraordinarily good or an extraordinarily evil Karma, it bears fruit very quickly. For instance, if a man has been doing many evil things all his life, but does one good act, the result of that good act will immediately appear, but when that result has been gone through, all the evil acts must produce their results also.
Swami Vivekananda, Jnana-Yoga
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