It can seem like sometimes, things are stacked against you and you can't figure out why - maybe it's some good old spiritual baggage! People often feel this way with two areas, relationships and money.
Spiritual Money Blocks in your Natal Chart
One of the most spiritual positions in your natal chart are your Lunar Nodes, which are the points in the Moon's orbit where the Moon crosses the ecliptic. There's a North Node and a South Node, and they exactly oppose one another. The North Node is your potential, but is unfamiliar, while the South Node is comfortable, but is crutches and habits you need to let go of.
The South Node often links to your baggage, but since it's so familiar, you don't usually read it that way. It can take time before you realize it's hindering your progress. Meanwhile with the North Node, we tend to run away from it because it's so uncomfortable at first, and this can create problems with it for a while.
If either of your Lunar Nodes are in the 2nd house of money, in the sign of Taurus (ruling money), or if your natal Venus or Ceres (planets of money) or natal 2nd house ruler are in the same sign as one of your Lunar Nodes, this may show some spiritual issues with money.
When it's with the South Node, it can show bad money habits that need to be released, or bad money attitudes. When it's with the North Node, it can show needing to embrace your financial decisions and have confidence in your abilities to manage money.
Neptune is also linked to your spiritual baggage, so if your natal Neptune is in the 2nd house, or conjunct, square, or opposite your natal Venus, Ceres or 2nd house ruler, this can also show blocks. There may be challenging experiences with not having enough in your life, and you may be someone who has to detach from material possessions (that doesn't mean shunning money or possessions, but rather not being as emotionally detached to it).
Your natal Saturn can impact money blocks too as the Lord of Karma. Saturn is the teacher in your natal chart, and has lessons for you to learn, and you often don't get through it until after your first Saturn Return (which occurs between 28-32). If your natal Saturn is in Taurus or the 2nd house, or is conjunct, square, or opposite your natal Venus, Ceres, or 2nd house ruler, that can show lessons regarding money. You may have experienced major money challenges in your early life, and likely have to work on issues around scarcity.
This can get brought to your attention under transits when any of these positions are being highlighted by the transit (moving) planets, and this can provide an opportunity to work through some of the spiritual blocks.
Suggested Reading: Jupiter-Pluto & Wealth