Karma is nothing but habits or behavior that we have formed over the years and over lifetimes. What ever we give out we get back. We have to learn to give out what we want from the universe. There is more than you can ever hope for. Our subconscious mind forms 99% showing thankfully that most of the behavior depends on that is beyond our conscious awareness. The subconscious mind works at 40Mbps compared to the conscious at 40bps a million times faster, thankfully shaping our life coming from its programming.