Dr. Sharma provides a brilliant, poetic explanation of what happens when Saturn (the slow-moving planet of restriction) enters the 4th house (the natural home of the Moon, representing emotions, water, and the mother).
Saturn and the Moon create the dreaded "Vish Yoga" (Poison Combination). Dr. Sharma explains that when Saturn's dry, cold energy enters the Moon's watery domain, it literally dries up the native's emotional and financial reserves.
He uses a powerful metaphor: "even full wells become empty" ("bhare kuye bhi khaali hote"). Furthermore, this placement specifically brings financial drought or severe hardship to the native's maternal uncle ("sookha mamu ghar pad jata hai").