keep your layers clean
During our life in the body, if we have kept these four layers clean and complete, we never enter hell. That is, if we can technically clean these layers; through meditation, through the process of completion. If we keep these layers clean with the proper meditation techniques, we will never have a problem at the time of leaving the body. We will have a clear highway. Straightaway we will travel!
path beyond punya and karma
That is what Kṛṣṇa says: This is the path on which a man can easily leave and liberate himself, and also the path on which he can suffer and destroy himself. Both ways are now shown by Kṛṣṇa. These are the major obstructions when we leave the body. After these first four layers, the three inner layers where all our blissful memories are stored are called heaven. Even if we are stuck there, we need to move on. Please be very clear, even our puṇya, merits, are karma. Even that will not allow us to become enlightened. We may feel good, ecstatic, for a few days. After that our mind takes that also for granted. In the case of heaven also, we will take it for granted after a few days. When you take it for granted, you have to come back to take another body, another birth.