Acharya Prashant explains that Prarabdha Karma, or destined action, is like a promise that must be fulfilled. He advises being very careful when creating such karmas. The first destined action is the body itself, and it starts from there. The big responsibilities one takes on also become destined actions that must be fulfilled, and there is no escape from them. Therefore, one should enter into certain things with great discretion, as what seems like a momentary matter can become a lifelong affair. As long as you are what you are, you will have to fulfill these karmas. The only way to escape from destined action is to stop being who you are, to become something else, to metaphorically die. For instance, if you are a father, you must fulfill the duties of a father; if you are a wife, you must fulfill the duties of a wife. If it becomes too painful, you must stop being a father or a wife. Then you are saved, you are dead, and a dead person has no responsibilities. As long as you maintain the same inner identity, you will have to pay all the debts you took on before. The doer and the experiencer go hand in hand; the one who did it is the one who experiences it. If you cease to be the one who did it, you will not have to experience it. He uses the analogy of a person declaring bankruptcy. When a person has too much debt, they can declare themselves bankrupt, stating that the person who took the loan is no more. You cannot recover debt from a bankrupt person. However, this is not about deceitfully hiding assets. To declare bankruptcy, you must have no assets left; you must give away everything. Similarly, to be free from karmic debts, one must give up their attachments and identity. The speaker notes that people are often afraid of freedom because it is a great responsibility. When you are a slave, your master sets your purpose. But when you are free, you must determine your own path, which can be terrifying. Many prefer the certainty of slavery to the responsibility of freedom.