Karma is a concept in Hinduism, Buddhism, and Jainism that refers to the sum of a person's actions in this and previous states of existence. The belief is that one's karma can influence their future experiences, either positively or negatively.
In terms of whether karma "catches up," it depends on one's beliefs about karma and its effects. Some people may believe that if they have done wrong in the past, they will inevitably experience negative consequences as a result of their actions. Others may believe that karma is not a literal cause-and-effect relationship and that people are not necessarily "punished" for their actions.
The concept of "what goes around comes around" or "you reap what you sow" suggests that our actions and choices can have consequences that catch up to us in some way. Whether or not this is true depends on one's beliefs and perspective. Some may believe that life has a way of balancing out, and that negative actions will eventually lead to negative consequences, while positive actions will lead to positive consequences. Others may believe that life is unpredictable and that the consequences of our actions are not always clear or immediate. Ultimately, the idea of whether our actions catch up to us or not is subjective and varies from person to person.