We struggle with this because we are aware of being a separate temporal entity.
We make narratives to make us feel better.
In the end, we should not waste this one life thinking about, or putting things off for a next life.
Reality is, yes, one life….. then back to the ocean that created our temporal bodies. We should think of it like a droplet of ocean water being splashed onto a rock….. the droplet of water is still a part of the ocean, but it is physically separated, until a wave comes and takes it back into its expanse. This is nature, and the ocean is “Deep Nature”… the Creator, the creative force.
This view of all existence is true, clear, and has the ability for us to live full lives.
Reality is Dharma 