Whether or not karma exists, acting like it does pays huge dividends both as a person and from a business perspective.
If I say im smoking a cigarette, it implies I lit that cigarette.
Just saying what you said can be quantified as hard worker rather then "karma"
Personally I think Karma is a joke. Same with luck. It's all basically a Math.random in this world.
No where in my reasoning and experience was a mention of how hard I work.
sort of like a generalized version of Newton's 3rd law.
It's kind of obvious that karma is a fact of life, isn't it?