I don't believe in reincarnation but had a phase of religious study. It's generally not a 1-to-1 mapping of you die and come back as a human. Depending on the religious school of thought "you" can spend some finite time in some afterlife (good or bad) then come back as some organism, not necessarily human. Also accounting for continued biological evolution may not be homo sapien if your "soul" comes back 1000 years later. Can't say I believe in reincarnation at all.
It doesn't define you. It does define how well you can provide food for your family and a roof over your head. I have been completely dead broke but I'm single and live very frugally with a roommate. I'm less worried about AI taking all our jobs and more worried about the turmoil as it takes the "good ones" first. Great if you are a capital owner saving on head count, not great if you are a worker.
OP is more on the extreme side but doesn't sound too crazy depending on where someone is at in their life. Obviously if you have a kid you can't do this so it's irrelevant.