Note that whenever it says square in your chart, that shows Karma with your self, you are your own worst enemy, with this trait in your personality. Squares are just us holding ourselves down, it's no one's fault but our own, we made the mess ourselves.
The opposition aspect as a Karma in your chart is usually that you create people in your life that can make you miserable, or at least take away some of that joy. (Oppositions have the effect of creating other people in our lives that create Karma)
With Saturn, conjunct, square, or opposite the Moon or Sun, there can be a fear of criticism, of being wrong or inadequate which often leads to a fear of trying anything new. There is an inheritance from a past life which can be related ones' current situation or from over-exerting ones' will or emotions. The opposition aspect can result in individuals projecting and even manifesting their fears onto others.
With Saturn conjunct, square, or opposite Mars, there can be a fear of sex, asserting oneself, or taking risks in general. These individuals may appear cruel, egotistical, stone-hearted and cynical in which they cover up inner fears. In extreme cases there can be sexual problems to either impotence or harassment.
With Saturn square, or opposite Mercury, there is a significant importance with intellect and knowledge. These aspects generally indicate slow-thinking individuals who have a fear of being thought of as slow witted, or stupid. These individuals will often work harder at learning certain skills to overcome any speaking, reading or writing impediment. Unfortunately, they can be carried away with themselves and become mentally arrogant, so they need to find a balance here. This aspect can also be a karmic legacy, where the individual took advantage of another's skill.
With Saturn conjunct, square, or opposite Venus, there can be a fear of allowing ones' emotions to be hurt. This vulnerability can result from exposure to a cold parent, a karmic legacy or tendency. The person often becomes the person they inwardly hate, which is the cold parent or figure. Sometimes a painful love experience can prompt the individual to re-examine ones' emotions more closely. Another form of love Karma here will be a pain and pleasure syndrome thing we put ourselves through.
The slower moving planetary aspects to Saturn tend to indicate more of a generation effect. These are Uranus, Neptune and Pluto.
Therefore the identification Saturn's energies in a chart greatly assists in establishing those areas in which we are vulnerable and prone to. It is then that we can try not to be so obsessed. A person with Saturn in Scorpio might keep trying to make sex and romance work, but they have so much trouble and stress because they are obsessed with it. An obsession with money can create a negative force, because the moral ethics behind how the money was acquired, either by gambling, cheating, stealing, or manipulating people to sell them something, are things that can create a negative force of Karma, and it is always your Karma. Being more spiritual and less obsessed in any area, avoids Karma.
People can really go through the wringer when Saturn and Uranus transit natal chart planets forming not only squares and oppositions, but "T" squares, grand squares, but maybe grand crosses. So Karma overload can become very intense with the latter three, and cause a lot of pain. Sometimes, a transit can hit, and hit us hard, we can end up with tremendous anxiety that I would call undiagnosed anxiety. Often, the cause of this is a Karma that has not been resolved, absolved or dealt with, that we're suddenly confronted with. This is when we find it harder to sleep, harder to balance and harder to center. That's what the Karma overload problem is all about.
Many of us who have not been Metaphysically and spiritually endowed, have pretended to be religious, or spiritual, and have made a number of mistakes, and created certain problems. You are not born with your particular Astrological chart by mistake. In other words, the chart you are born with is a chart of energy vibration that you qualify for, or you kind of deserve. The frozen picture or chart of birth is an area of space where the planets were positioned. The planets travel through what is known as the Zodiac signs Aries through Pisces. Each planet radiates different energies. For instance, the Moon represents emotions and Mother, the Sun your Soul and Father, Mercury your mind, Venus your values and your love factor. Mars your life force and sex factor and Jupiter your philosophies. Saturn your major debt in this lifetime. Uranus your awakening factor. Neptune the illuminating factor and Pluto the transformation factor.
http://www.radioastrology.com/TFG/KamaAstl.htm