After many births of animals etc we take human birth. There is four major karma types to be paid back for mukti.
1) Pitru/matru( Parental )karma or karma of birth, to pay back your human birth , denoted by Saturn, 7th trines, collects in muladhara chakra . this is overcome with *service to parents* or also by being a good parent. Service is key word, hence called shudra karma. After we successfully taking care of parents spouse etc. We then move to next
2) Material karma.karma of work and income ..this is our debt to food we eat ...all food is living being and hence we are in debt. Also we are indebted to all material comforts from material world... We have what's called vaishya karma...we have to feed people and supply Material things to the world to pay back the debt.. krishi , go raksha and vanijyam is karma to pay back denoted by mercury and 10th trines and stored in swadhishtana chakra. Next comes
3) debt to society and nation .. we pay back by developing or fighting , for nation or society. this kshatriya karma ..ruled by Mars and Stored in manipura chakra...denoted by lagna (dharma) trines.
After all the karma in sequence is cleaned one goes to last steps of mukti stage
4) debt to knowledge, ruled by Venus and then Jupiter denoting the Vedas , stored in higher chakras . 4th bhaava and it's trines...one has to teach back all one has learned in many lives to pay back... after paying back the debt of knowledge brahman karma...then paramatma gets closer.
None of the karma is optional. Individual has to clear all category of karma.
Mahabharat mentions about 60 or births to clear each category. But , with grace of bhagavan all can be cleared in an eye blink or multiple lifetimes.
The four quadrants and it's trines of a chart indicates these karma.
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