Numerology considers two kinds of numbers to be "karmic." The numbers 13, 14, 16 and 19, no matter where they are found in the chart, are called "Karmic Debt numbers," and refer to karmic baggage we bring into this world from a previous lifetime.,The other kind of karmic numbers can be any of the single-digit numbers, if they are missing in your name. I will expand on that in a future blog, but this time I will focus on the four Karmic Debt numbers.,Before describing the effect that Karmic Debt numbers have on your life, let me point out that where they are found in your Numerology chart is just as important as their effects. If you have a Karmic Debt Life Path number, for example, the impact will be felt repeatedly throughout the life cycle, but not continuously. Every once in awhile, you will be hit by the negative influence of this Karmic Debt number, which, in turn, gives you the opportunity to respond and hopefully overcome its effect and learn from it.,If your Expression number is a Karmic Debt number, you will feel its effect on a more continuous, but less dramatic, basis, affecting mostly your professional/productive life, i.e. your career.,If your Heart's Desire number is a Karmic Debt number, you will have a tendency to make bad choices and decisions in your lifestyle, including relationships, in accordance to the qualities of that particular Karmic Debt number.,If your Personality number is a Karmic Debt number, its influence will be mostly felt in social interaction. This can be anything from simply making bad impressions to clumsy remarks, bad taste in clothing, etc. Health can also be affected.,Found as a Maturity number, the Karmic Debt is felt particularly strong during your late teens and early twenties, as well as your late forties and early fifties (the mid-life crisis).,In all other areas of the personality part of the chart, including the Birth Day number, the affect is considerably less. However, certain cycles in the forecasting part of your chart can be influenced strongly if a Karmic Debt number is found there. For example, found as an Essence cycle, a Karmic Debt number can be particularly difficult. Personal Years, of course, can't have Karmic numbers, as they are always single digits.The long-term cycles -- Period and Pinnacle cycles -- also are vulnerable to Karmic Debt numbers.,As far as the kind of influence, each of the four Karmic Debt numbers has very different properties, but they are always associated with the single-digit number they represent. The 13 is a 4 (since 1 + 3 = 4), and has to do with effort. The 14 is a 5 and has to do with freedom. The 16 is a 7 and has to do with spiritual growth, and the 19, being a 1, has to do with independence.,In a nutshell:the 13 Karmic Debt produces a lot of frustration and, as a result, does not seem to be rewarded in proportion to the effort. Think of it as a consequence of a previous lifetime dominated by laziness, taking advantage of others, and similar bad choices. The most important advice to those with a 13 Karmic Debt is: don't take shortcuts, don't do anything halfway, be prepared to work hard for whatever you want and be patient.,The 14 Karmic Debt is the result of having abused your own -- and other people's -- freedom, in a previous lifetime. This time around, you pay for it with a life full of chaos, unexpected twists and turns, few things going as planned and, in a worst case scenario, your own freedom is made a slave to an addiction of some kind; drugs, alcohol, overeating, sex, etc.,The 16 Karmic Debt is generally the most strongly felt. It is also the one with the greatest promise, as it has to do with repeated destruction and rebirth. It is called the Fallen Tower, and those afflicted with its effect tend to make choices and decisions that seem specifically designed to break down what you have previously built -- a self-destructive career choice, for example. Or an act of stupidity that ruins an otherwise wonderful relationship. Its promise, however, is that rebirth and rebuilding tend to follow those self-destructive acts. Especially in the form of spiritual growth and the potential of gaining the kind of wisdom that brings a certain peace of mind later in life.,Finally, the 19 Karmic Debt has to do with independence and personal power, learned the hard way. You will find yourself without much needed support. You will be forced to stand on your own feet, to build strength and determination, and to gain authority and respect. There are often long periods of feeling alone and abandoned, but much of this can be avoided by realizing that the strength you need is there, you just need to reach for it.,If you have a Karmic Debt number in one or more places in your chart, you are not alone. Almost everyone has at least one Karmic Debt in a prominent location. I have a 16 Life Path number and a 16 Personality, and yes, I have definitely been hit by its negative impact more than once in my life. The good news is that when you are aware of your karmic numbers and understand their meaning, you are a warned man or woman, and therefore better protected than those who have not had the opportunity to be prepared.