Once the Self-knowledge or Brahma Gnana or Atma Gnana is gained then the experience of the birth, life, death and the world will never again remain as reality .

All the individual experiences good or bad, positive or negative are happening within the mirage therefore it has not of any value. The one which becomes experience of diversity becomes formless and non-dual.  Thus one has to find out what becomes dual and non-dual. Once we become aware of it, then he becomes aware of the truth.  Thus the intellectuality is limited to the mirage. The wisdom is beyond intellectuality.  Thus one has to vies and judge the three states on the base of the real author of the three states, which is the soul

There is neither doer not doing on the standpoint of the soul as self.  A Gnani treats the waking experience as mere mirage and views and judges on the standpoint of the soul as self, thus he is fully aware of the fact that, the experience of diversity (waking) is mere mirage created out of  consciousness(Atman). Hence there is no second thing other then Ataman which is the true self.

People, who expound non-duality on the physical base and try to explain it, are mere scholars, not Gnanis. Thus perfect understanding and assimilation is required for realization.  Whatever they have read, heard and accumulated as truth has to be verified through deeper inquiry and reasoning on the base of the soul. Nothing has to be accepted as truth without verification.

Your guru and guide is the soul, the innermost self. And the disciple also is the soul; therefore there is neither guru nor disciple, nor teaching because everything is soul(Atman) . That is why Sage  Sri, Sankara said: Ataman is Brahman—that is the soul is ultimate truth or Brahman  Therefore, it is not correct to accept any teaching without verifying validity of their claim. 

Just as the dream entity and the dream universe in the dream, is an illusion, which appeared and disappeared, for a Gnani, this waking entity and the waking world, is mere illusion created out of consciousness because he is fully aware of the fact that, the self is neither the waking entity nor the dream entity but the formless knower of the three states.

When the waking entity and the waking world are mere illusion then the experience birth, life, death and the world are mere illusion created out of consciousness. These beings so, how can Prarabdha, come along with birth, when birth itself takes place within the illusion?

 Ignorance prevents one from seeing the truth. Ignorance is the cause of the illusion. Illusion is cause of the universe. Universe is cause of experiencing birth, life and death as reality.  Till one becomes aware of the fact that, the universe, which is in the form of mind, is myth, it is impossible to assimilate the Self-knowledge or Brahma Gnana or Atma Gnana. 

If there is no ignorance, then where can be the universe be? Seeing myth instead of truth, due to utter confusion, He only sees this universe, without realizing the reality.

Once the real nature of the “true Self” is realized than   the “Universe” will not be seen as real.  Once the Self-knowledge or Brahma Gnana or Atma Gnana  is gained  then the experience of the birth, life, death and the world  will never again  remain as reality .