Hello,
Thank you for your question. Consider exploring your understanding of karma and what you mean when you say karma is catching up. We must understand that karma works to bring things into balance, to compensate for fulfilling the law. Therefore, one must seek to understand karma in the context of justice:
Justice is beyond good and evil. When you reach the light, then you will know what love is, and when you know what love is, then you will know how to love, and will comprehend that conscious love is the Law. It is not enough to perform good, but to know how to do it.
Karma is the law of compensation, not of vengeance.
https://glorian.org/books/aztec-christic-magic/the-law-of-karma
One way of compensation is to serve others without expecting anything in return. A kind gesture, ‘being’ love toward yourself and those you come into contact with, helping those in need by simply praying that their Will be in accordance with cosmic law, these are all simple ways to serve that can help to compensate karmic debt.
We should also be conscious of our motivations when experiencing life. We must ask if we are motivated by our ego (evil), or if we sincerely want to do good in the world:
Life is a chess game within which every act of ours is a move. If our moves are good, intelligent, and opportune moves, then the outcome will be success, health, and longevity. However, if, rather, our moves are impelled by evil will, if they are selfish and inopportune, then the outcome will be failure, sickness, and death.
Let no one cheat himself. What a human being will sow will be harvested and his actions will follow him. - Galatians 6:7
https://glorian.org/books/aztec-christic-magic/the-law-of-karma
On the question of prana/transmutation sexual energy
We should understand that the effectiveness of using prana is determined by “how” we use it.
Pranayama means “to harness the wind energy”. In Tibetan it is called “lung.” That energy runs through us continually and we use it according to our will…
https://glorian.org/learn/courses-and-lectures/fuel-for-spiritual-experience/absorption
There are many practices that can be done to work on ourselves to properly use prana and be able to transmute sexual energy. Below I have provided some links that may be helpful:
https://glorian.org/learn/courses-and-lectures/lectures-by-samael-aun-weor/foundation-of-sexual-transmutation
The below link is one of four lectures:
https://glorian.org/learn/courses-and-lectures/lectures-by-samael-aun-weor/the-transmutation-of-sexual-energy-1
Finally,
“It is not enough to perform good; rather you must know how to do it”
https://glorian.org/books/aztec-christic-magic/the-law-of-karma
After all, this is what Gnosis is about, learning how to walk the path through knowledge and experience.