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Does karma really exsist?

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I've done a lot of bad things in my life...will it really come back to haunt me for life? will I pay for my sins before or after I die? what really happens? all the bad things I've done already in my 14 years of life, and that's just the beginning. is it gonna be that bad when I die, or will my payment be dieing earlier then I should? OR will it be to live a miserable life longer than I should?