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Give a certain percentage of your earning to universe by helping those who needed it the most.One is never poor to help out.Give according to ur capacity.Take care of Gods poor family too.The Fakir by Ruzbeh N. Bharucha
Because we can never be the owner of money.after your death money will go in someone else hands.This will reduce your Karmic debts too.
From Discourse II: "Sadhana Pada- On Spiritual Disciplines"]
II.16. HEYAM DUKHAM ANAGATAM
'The misery that has not yet manifested should be avoided'.
Karma has been worked out, is being worked out, or is waiting to be
worked out by one's actions. Karma that has already been incurred cannot
be changed, but its misery can be avoided by positive thinking. Future
pain can be avoided by carefully attending to present actions.
* More Patanjali Yoga Sutra verses with
commentary by Swami Vishnu-devananda