You're a new astrologer. Listen to Zarathu.
If you worry about every transit coming down the pike, it won't take long for your fingernails to be up around your elbows. Transits do not generally operate without the "permission" of directions, progressions, returns, etc.
In your natal chart Saturn is far and away the most powerful planet (sole dispositor). His transits are therefore of heightened importance. What is more important in this transit is that Saturn opposes natal Moon, and....is right on top of Pluto (didn't see that until just now)
And what is even more important is that Saturn is entering (has entered) the 12th House, where he will stay for over 2 years. The conjunction with Pluto is sort of a keynote to this transit of the dark house, but understand that this long-term position of Saturn (12th house passage) is strong because of its duration.
If you are going to use astrology to scare yourself to death, maybe you should just watch a good horror flick. Until you learn something about astrological prediction, it would be better to "wait and see what happens", rather than building a bomb shelter (and creating unnecessary tension and fear in your life) for every passing transit.
Keep a journal. Write down the things that happen during transits, your emotional state and so on. Then, when a similar transit occurs in the future, you'll have information you can use to interpret it in your life. The conjunction of Saturn to Pluto will "produce effects." About 7 years from now, Saturn will come to the waxing square of Pluto. What happens now is likely to reappear then, depending on what you do today.
I am also an old astrologer (over 40 years now). And like Zarathu (and like Robert Hand), I don't pay much attention to transits and such. I don't worry about tomorrow. I have enough on my plate just dealing with today, with this moment.
Make astrology a positive influence in your life, not a negative one. It' s up to you.