Saturn delays. He makes us wait. With Saturn, it’s like running a marathon rather than a sprint. So, when a person asks about finding someone to form a family and there’s Saturn involved, it’s unlikely that the person finds someone to settle down at a young age. For example, Carter is single and is feeling the urge to have a family. His 4th house ruler conjuncts Saturn. He might feel frustrated or restricted in his attempts (to have a family). Perhaps as a result of those inner tensions, forming a family does happen later in life for him when compared to his peers. Certainly, Saturn conjunct IC ruler could manifest in a variety of other ways. For example, being cautious, realistic or even having a fear about forming a family.
But for someone who desires to have a family and isn’t getting his/her way, you can bet that Saturn is at work.