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Are you willing to admit the possibility of reincarnation?
You don't know what's on the other side, so why not?
All you have to do is choose which system you'll adopt as a belief, because there are several.
Some of the possible scenarios are that maybe you come back favored if you lived well and badly if you were mean, or maybe that you have a particular lesson or bit of wisdom to learn each time around, or maybe even that you have to step through each of the signs of the Zodiac, one by one.
The reward/punishment scenario is a troubling one. We see very high birth rates in human communities that are desperately poor and sick and hopeless. Does this mean that the majority of the human race has chosen to live lives of insufficient kindness, and consequently came back in the most painful possible conditions?
Being okay and living an okay life is probably not a sufficient way
to live your life. Best you strive to be kinder than average.
This shouldn't be difficult. The average kindness baseline is pretty low.