Karma is the law of cause and effect. there are basically three forms. 1. is all cause and effects that have played out in the past. 2. is the effects of some of these original causes are now the causes to what is happening in this exact time in space (the "now" experience. and 3. the effects that are being played out "now" are causes for the next set of effects...
I know confusing right? I love looking into the past to see where I came up with my way of being in the world, my fears, my samskara. At some point though we need to take action.
Your homework is to start taking action in this 3rd form of karma, as in, live in this now that was created by every past experience and create what you want for yourself in this moment.
we are living in the most powerful "time" in existence, we live in the now, this is the cutting edge of reality for us and the most powerful place of creation... actually the only real place of creation. CREATE