We create our reality whether its hell or heaven.Nowadays its a fashion to spiritual teachers in the west that think and visualize if you want abundance.But does it happen just like that?? just visualize and thinking of something you want is created?? No according to my experience and views it works only when there is a conscious shift inside you and level of understanding of natural laws and abiding to it only then you are given access key to create reality.Because without awareness of the natural laws you can use the key to do damage to others or can become greedy and a slave to desires.First the karma that has been accumulated from various other human lives has to be closed and you come to a life of soul renewal wherein the punya and papa becomes zero and love of god is realised. Because when you punya also you need to take another birth to enjoy its benefits and papa also you need to undergo its consequences.When they both become zero self realization happens and key to creating your reality is given.Because during the soul renewal process the atma undergoes various trials to understand the natural laws.For example to get a body disease free the atma should have done good karma of maintaining the material body without abusing it with sex,drugs etc. When we go against this natural law we take body accordingly.This basic awareness or consciousness is itself not present in most of humans. Yes offcourse we create our own reality but only we are ready to change ourself internally and obey natural laws not by just mere visualise and thinking.