1. 救民於水火 (利益, 滅度 一切眾生, 服務). 積功德。 (to serve and love others. https://www.nderf.org/Experiences/1joy_c_nde.html)(purpose on Earth is to help others. https://www.nderf.org/Experiences/1jb_nde.html) 星雲大師:「予人信心﹐予人歡喜﹐予人希望﹐予人方便」
2. 受罰, 被貶, 下放, 改造 (人生八苦), 學習﹐修行. https://www.nderf.org/Experiences/1steve_b_nde.html 】困難 是 學習 的功課。 輪迴多次﹐有如上小學(Grade School) https://www.nderf.org/Experiences/1v_nde.html To live and learn; experience the physical; go through trial, tribulation, and joy. https://www.nderf.org/Experiences/1daniel_e_possible_nde.html