Man it can easily take people till they are in their 60's to actually overcome karma they gave themselves in their 30's and 40's.
I took the time to study how to maintain my health and youth I know a lot of the raw science about diet herbs and vegetation and whats in different meats, I took the time to study the aging process and reduce it for myself that's good karma. I took the time to go see a psychologist when I found myself having a go at my mother and sorted that out in terms of my karma. I took the time to understand anatomy and know exactly what's going on there.
If you can't work you can still study towards working even if that's not what's directly on offer just search around a bit.
I was told I would understand one day lack of reason yes I suppose I do life can be a beach but I don't understand it enough to sublimate my problems onto an innocent party and repeat the issue with the karma involved repeating that process on the next generation.