My religion that I think is right

The Higher Power
There is a Higher Power. It gave us life, but we decide our own fate. It can guide us and punish us if we mess up badly.
It also creates some things, like phones and more complicated things, and puts these ideas into people’s minds, because I don’t understand how people could come up with things like that. I think the human brain is not capable of doing that on its own yet.
It has no human form or appearance. I think it is simply a kind of mass of non-material matter.
You cannot communicate with it, you can only believe in it. There are no signs. Just do what you think is right, and it will guide you.
It has a sense of morality, but it always looks at the individual person and considers all the facts. There is no limit to good or evil; it considers all the facts based on the overall balance.
The Higher Power does not forbid belief. It is a person’s right, and it is neither good nor bad.
Good, Evil and Consequences
It works so that if you do something good, it will come back to you, and the same applies to bad things.
It will almost always reward your efforts, possibly not with material things, but with love and other things.
A person who has done a lot of bad things but has truly changed will get what they deserve, but they will not suffer for their entire life. Maybe they will be rewarded during meditation after death.
Help and Effort
But it does not always help. It only helps when a person is genuinely trying to do something. For example, if I were homeless but tried to make money by doing something of my own instead of just begging with a cup, it would not make me a billionaire, but it could get me off the streets. Even that does not always happen, and there is probably some limit.
The limit of its help is reached when a person stops trying to improve themselves and stops wanting to become better in every way. Even if they have not stopped developing in the areas that are actually about self-improvement, but are simply being lazy, so to speak.
Some people are given more opportunities because they are less capable, while people who may be smarter are given fewer opportunities. It is like a test.
Suffering
Suffering exists because a person did something bad in their life. Innocent people die because none of us are completely without wrongdoing.
Suffering may be a consequence of actions from past lives, but I don’t know why a specific person experiences a specific kind of suffering.
The Soul and Reincarnation
The soul is reincarnated, but it can wait until another life appears. It waits somewhere in meditation.
When a new soul is born, it is neither good nor bad. It is simply given certain average parameters, and I don’t know exactly what they are.
There is no limit to the number of times a soul can be reincarnated, or maybe there is. I don’t know. Perhaps it simply remains in meditation for a long time until another life appears for it.
There are no other lives, meaning that life exists only on our planet.
Karma also works across different lives, just like intelligence.
Some people may be less lucky than others, but they will definitely be lucky in another life. It does not have to be the next one. It is done for balance.
Some people are given less because they may have done something bad in a past life.
About the Beginning
Before the Big Bang, there was the Higher Power. As for what existed before it, that is too philosophical a question. I am 12, but as I grow older, I will think about it more.