what are your thoughts on having no karmic debt in numerology

I know everyone had karmic lessons. We all need to learn / grow in some ways or another. But I read that if you have no karmic debt then this is your last life on earth. I’m not sure how I feel about that. I don’t have any karmic debt. I know I have a specific path I need to follow (helping others / healing) and I’d be shocked if this is my last life on earth cause I feel like I have so much left to do!

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