Yes, this square is a clash between the work and responsibility in life (Saturn) and the more fanciful, imaginative, or spiritual aspects (Neptune). The key is first to not believe these different areas of life are actually in conflict, but only that your own starting point in life (past life experiences) lead you to that tendency. Finding balance is therefore not a matter of resolving a conflict, but of finding integration in which each planetary energy is allowed its full space to work.
Part of the tendency of this aspect relates to insecurity, worry, material security seeming idefinite, etc. This is because Neptune's more transcendent work of spirituality and connecting to higher things through the mind requires letting go of literalism and the idea that material factors determine the outcomes. Material factors are just that -- the materials we have to work with, not the rulers of destiny or determiners of outcomes.
Allow the Neptunian urge to build with the imagination in spiritual practice and/or in creative practice so that you gain the expereince of feeling yourself molding and shaping reality. Understand that is a cooperative venture of Earth and Spirit (us and the unseen). Hypnosis can be a very good tool for this so long as your intention is clearly framed and you work with a guide you trust. So if you leave time and space for this in your life, then you can still face the work and responsibility that is part of daily life.
Related to the 4th house, if there are factors in early life that are contributing to your insecurity through negative beliefs resulting from lack of support, dependency issues of parents, etc, be sure to identify and neutralize those things as not you, so you can move on.
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Soul Stars Astrology - by the declinations guy
Declinations: because the planets move north and south of the celestial equator