I thus realise all the effects of my deeds and thereby absorb the force to wipe them away. And during this time in Kamaloka — which lasts a third of the earth-life — I absorb all the forces which may be expressed as an intense longing in the now disembodied soul, to remove everything which destroys perfection by retarding the soul’s evolution.
If you ponder over this you will see that man himself makes his own Karma, that is, that he has in himself the wish to become such that everything undesirable may be wiped out. Thus is Karma prepared, during this particular time. We incorporate into our souls the force which we must take up between death and rebirth, in order to bring about in the next incarnation that configuration of our life which we are able to regard as the right one. This is how Karma is created. […]
For the positive develops out of the negative. Through insight into that which we have done, we develop the power of making compensation.
Source: Rudolf Steiner – GA 157a – The Forming of Destiny and Life after Death: LECTURE 2: ON THE FORMING OF DESTINY – Berlin, 18th November, 1915
Translated by Harry Collison