I'm finding myself in a similar situation and would like to negotiate my own karma to create a more balanced climate in my work and private life, to cut all ties with corrupt individuals and businesses so that I can focus on cultivating a more serious spiritual practice.

I would like to know if this (what i consider to be a major appeal) can be negotiated by simply offering to work on oneself in a serious manner (with the three factors) and maintain it throughout our entire life in exchange for a more stable and balanced life conducive towards spirituality.

If we have dealt with a lot of suffering and trauma already through various circumstances, does this mean that some of our karma has been already paid?