I'm amazed at how often what goes around actually does come around and people get what they deserve. I've always broken it down into two types, cosmic karma and practical karma.

Cosmic karma is when you give a friend Rs20 and the same day a gust of wind blows a twenty into your chest.

Practical karma is just the observation that if you are a shitty person and screw people over wherever you go, you will have a weak support network to rely on when you need it.

Conversely if you are nice and helpful, people in your life are more likely to help you, refer you for jobs, lend you money in a jam etc.