What is the likelihood that I will not return in reincarnation?

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Question

It is written in the Shulchan Aruch HaRav that one who did not manage to fill his soul with Torah as he could will return in reincarnation. If I was idle even for a moment and did not study as I could, I will have to return in reincarnation. It is also written that one who owes his fellow even a penny will return in reincarnation, and the chance that I never erred with money is almost zero. So what are the chances of passing through this world peacefully?

Answer

Shalom Rav,

A person who does what is required, and when he sins, he repents, Hashem will grant him the opportunity to rectify in his life all that he has damaged, and he will not need to return in reincarnation.

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