Bhagavad Gita 9.21 · Krishna
When the merit runs out
ते तं भुक्त्वा स्वर्गलोकं विशालं
क्षीणे पुण्ये मर्त्यलोकं विशन्ति।
एवं त्रयीधर्ममनुप्रपन्ना
गतागतं कामकामा लभन्ते॥
te taṃ bhuktvā svargalokaṃ viśālaṃ kṣīṇe puṇye martyalokaṃ viśantievaṃ trayīdharmamanuprapannā gatāgataṃ kāmakāmā labhante
Having enjoyed that vast heaven, when their merit is spent, they return to the mortal world. Seeking desires, they come and go.
What it means
Krishna completes the picture. Heaven lasts only as long as the merit that earned it. When it's spent, souls return to earth. Those who follow rituals for the sake of desires keep coming and going, around and around. Not punished, simply still on the wheel.
The story
Arjuna realises that even the warrior's heaven he was promised is a temporary account. Krishna is offering him something that doesn't run out.
In your life
Think of a lottery winner who spends everything and ends up where they started. Rewards run out. Invest in something that grows instead, like love, character and wisdom.
Seek what doesn't run out.