When somebody tells me that they are going through a rough patch due to circumstance beyond their control, I tell them first to be sure that they are performing Sraddha for their ancestors regularly and whether they are following the Sumngali Prarathana done in their Homes.
As for as I know these are the prima facie reasons fo misfortune before we try doing any parihara
I have some articles on the subject.
Such is the seriousness of Pitrudosha that it can nullify the effects of Poojas and Punyapalas.
As an aside, Matru Dosha is not being talked about as much.
Pirtu generally means ancestors, which includes women as well.
But there is difference in performing Sraddha between for Men and Women.
