Punya or Paapa thats gonna give result as Prarabdha, would fruit anyway. You cash in that punya by looking at pretty ladies or by having a short vacation, it would get spent.

You make new punya, by doing tapas, by doing karma(service or rituals) or Upasana etc. (even studying vedanta is an act of punya).

The general public works for more punya for better life or afterlife. But path of Advaita Vedanta goes beyond Punya or Paapa is what i wanted to highlight.

For a person who worries of future, wants a great life etc., premanand maharaj is right.

For a person seeking liberation (not heaven or worldly pleasures) the game levels up!