“My business is failing. Is it Christian Karma?”

My business is struggling, and my friend tells me it’s because of unconfessed sins in my life! Is he right? My pastor told me that, when we sin, some of the Holy Spirit leaves us. Is that true? When we die, does the Holy Spirit go with us? Does the Bible talk about tithing? Do we have to tithe ten percent today? If not, what should we do?