3 Planets Retrograds : Any Special Prediction

[Anjum]

What a native has as a karmic debt when 3 of the planets and mostly benfic are retrograde

Data:
6 nov 1986
New Delhi
8:15 am

-> Native had education in many fields
-> Job is unstable, employers does not pay on time
-> Late in marriage
-> Good Dressing Sense
-> Looks younger than age
-> Happy and Mature Mind
-> strained relation with father

I am more concern with how retrograde planet affect him.