Hello -
A few years back, Saturn was transiting my 4th house and Pluto transiting 5th. It was a very difficult time, I can say.
Saturn & Pluto traveling close enough these days to affect sequential houses - I think a lot of us have or will soon experience that lovely 1-2 punch.
Saturn brings restrictions or losses by transit, but only when the native has let something slide, or taken short cuts, in the rules of the house it's visiting.
Pluto causes upheaval - bulldozing of all the hidden secret things that are known but have not been shared.
For me - and I'm just recently coming out of that harsh period - it was issues around my home, my mother, my family and my child. All in about a 3 year period. Fractured relations with my family, with my child - essentially. And! leaving a town I loved because we truly couldn't afford to live in that area anymore. During this time, my mom's cancer got worse and she passed - which caused all kinds of troubles within our family - all those saturn in 4th things - resentments, bickering, coldness and everyone pulling out the pity rug to lay on for all the things that were wrong with other throughout life - issues of absence, abandonment, control, cruelty. Man, it was really ugly.
The upside of this second saturn return - as it turned out - was that we making some good money off of property sale and even though it seemed forced by circumstance at the time, I ended up doing some serious business research on real estate in other states - and we were able to find a place that was bigger in home size, much more affordable, less driving, less taxes and a much more quiet and peaceful area. At the time, my fiance (now husband) was in a bitter feud with his family over some property and it got to the point that we hadn't talked to either of our family members, who lived right in town, for several months. We could have stayed and bought property in a less desirable neighborhood and maybe we would have worked past the misery - but neither of us wanted to and we moved to a neighboring state. Saturn is beautiful for helping you to decide what you should keep and what you should leave behind - even when it's painful.
Strangely - once Saturn left my 4th into my 5th - I found a solace in having 'let go' of family and yet also - 're-earning' my son's respect and trust after a couple of bad domineering years where I was less than kind in my 'parenting' duties. He basically told me to flip off because he was tired of me bossing him around and telling him what to do even though he was in his mid 20's.
During that time, I felt alone and sad and bitter at myself and my family.
As for Pluto transiting 5th - if you have children - your kid(s) will have problems (problems to you) - financially or emotionally - or become possessed, obsessed with something - for good or not good - that will keep you on edge. That's been my experience. My son is 27 and has his head on straight, college degree, a working professional musician - but he recently dealt with Uranus and Saturn and Pluto transits going over his cap stellium - and he basically opted to 'downsize' his life - by giving up his high-rent apt. in a nice neighborhood and location near the beach to move in with a tribe of musicians and artists in a latino arts colony in Los Angeles. The fact that he is not latino is of less matter than the fact that the place he moved is in one of the most gang and crime riddled areas of L.A. - He lives in his bubble while mother (pluto transiting 5th) goes apeshit with worry and fear of violence or harm.
Ultimately - where Saturn & Pluto transit - there is always going to be an issue of relinquishing control or trying to hold on to it.
Pluto transiting the 5th is really about regenerating or destroying the things, relationships, that you have created in your life.
It's important to note that because Saturn & Pluto have, and for time being, been close in transit - everyone will get the 1-2 punch in some house areas. They tend to hurt most when they are near or past the angles of a chart.
Neptune in 4th house natally can confuse or veil transiting Saturn's purpose - which is to bring order and adjustment. Neptune operates by a fluid chaos - and it becomes comfortable. When Saturn arrives, probably Neptune does it's dance around the matter that Saturn has to contend with - and it's a push pull. In your case - it's probably best to ask yourself what you can do to bring order to that dance - have some steps and dips planned out where family and home are especially concerned.
Pluto in 5th and romance. Maybe it will dig up some sexual-romantic side of you that is dangerous or risky. Be careful. By itself, Pluto doesn't create romance via a transit to 5th - but it can stir up some pretty plutonic issues around your horny-ness. Also as cautionary thought - overpowering another or being overpowered in areas of fun, good times, fooling around - should be monitored.
If you are interested in family ancestry and finding out truths - now that pluto has passed through 4th safely (?) you might find saturn is an excellent resource for studying history of family, geneology, ancestral matters. And, I forgot to mention this - but during time Pluto transited my 4th house - I discovered that my beloved grandfather (deceased) who was the patriarch of our family - had either been lied to or perpetuated a lie about who is birth father was. Through my ancestry research - (pluto plumbing the 4th house and then Saturn entered 4th) I discovered that the man we always thought to be his father - was not his biological father) because the man listed as his father had fled US to Canada two years before my grandfather was born to escape the law! To this day - I have not found out who his bio father was. Sad.
Nonetheless, and if I sound repetitive, I'd be surprised to see transits of saturn or pluto bring 'romance' in this 4/5th juncture - this special combo 4/5 has a collective you written all over it - figuring out where you stand in life and what you can create or repair or rebuild from bottom up.
