Challenges:

1. Unfavorable Fortune: Due to the presence of many malefic stars and few auspicious ones in the palace of destiny, the year's fortune is not promising, with numerous obstacles that require extra caution and effort.
2. Gossip and Backstabbing: Affected by the "Obscure Air" malefic star, there will be much gossip and backstabbing this year, necessitating a low-profile approach to avoid entanglement in是非.
3. Strong Challenges: With the "Year Kill" malefic star present, the year will pose many significant challenges, and the slightest mishandling could lead to elimination.
4. Legal Risks: It is essential to abide by the law and not take chances to avoid legal troubles.
5. Health Issues: The "Salt Pool" malefic star indicates that overindulgence in wine and lust could severely damage health this year, requiring self-restraint.

Opportunities:

1. Auspicious Star Support: Fortunately, the "Sun" auspicious star will help dispel gloom and bring vitality.
2. Initial Decline, Later Prosperity: Despite initial obstacles, persistent effort will yield results by the year's end.
3. Career Boost: The most supportive zodiac signs for career development this year are the Tiger and the Dog. Sincere cooperation with these signs can complement each other and help break through difficulties.
4. Favorable Directions and Industries: The most advantageous direction for work this year is the south, and industries associated with "Water" and "Metal" are particularly beneficial.

Individuals born in the Year of the Horse need to be especially vigilant against gossip, challenges, and take advantage of opportunities for support and industry strengths. It is advised to maintain a low profile, work diligently, and collaborate with those born in the Years of the Tiger and the Dog to overcome difficulties and seize opportunities.