Modern Bazi Wealth Analysis: Key Insights and Experience

1. Making Money

  • If wealth (Cai) is a useful god and is strengthened by the annual cycle, financial success is likely.

  • If the Day Master (Ri Gan) does not counteract the Indirect Wealth (Pian Cai) and is frugal, financial growth is stable.

  • When the annual cycle is unfavorable to wealth, financial losses occur. Conversely, a favorable cycle can bring prosperity.

  • When a major luck period (Da Yun) disrupts Indirect Wealth, a corresponding annual cycle may restore financial balance, leading to a rebound.

  • During an indirect wealth luck period, investing in the same year results in immediate returns.

2. Financial Losses

Financial loss occurs in two forms:

  • Direct Wealth Loss: Losses in regular businesses, affecting both employers and employees. Entrepreneurs experience loss due to business downturns, while employees may suffer from company financial instability.

  • Indirect Wealth Loss: Includes spending money on assets (houses, cars), medical expenses, or business investments. If the major luck period coincides with an indirect wealth loss cycle, expenses are inevitable.

3. Employees Causing Financial Loss

If the annual cycle influences Direct Officer (Zheng Guan) and affects the strength of the Day Master, financial instability may arise due to subordinates’ actions, leading to business setbacks.

4. Investment Strategies

  • Indirect Officer (Pian Guan) and Inner Environment: If favorable, money is spent productively. If unfavorable, money is wasted.

  • Short-Term Investments: Look at Indirect Wealth (Pian Cai).

  • Long-Term Investments: Assess Direct Wealth (Zheng Cai).

  • New Business Ventures: Typically transition into Direct Wealth after one year.

  • Choosing the Right Year:

    • Short-term investments: Favorable indirect wealth cycle.

    • Long-term investments: Choose a year when indirect wealth is weak but direct wealth is strong.

    • Timing: If an unfavorable year, delay investments to the second half or year-end for better results.

5. Theft, Scams, and Financial Frauds

  • If the annual cycle negatively impacts Indirect Wealth, financial losses from scams, theft, or robbery are likely.

  • Fraud involves strong Peer Stars (Bi Jie), whereas robbery signifies an external financial disruption.

  • If the Peer Star is strong and unfavorable, the lost money will not return.

  • If an unfavorable element shifts into a useful god after being controlled, it often signifies a scammer’s chart.

6. Lending Money

  • When Brothers (Xiong Di) serve as a useful god but are suppressed by the annual cycle, financial lending often occurs.

7. Debt Collection

  • Successfully recovering money requires favorable Indirect Wealth.

  • Other conditions:

    • The external financial environment must be strong (debtor’s financial status).

    • Internal environment represents the debtor’s real financial capacity.

8. Causes of Financial Loss

  • Weak Day Master: Losses due to personal mismanagement.

  • Peer Star Influence: Losses occur due to siblings, friends, or business partners.

  • Strong Day Master Enhancing Indirect Wealth: Wealth accumulation happens due to personal skills.

9. Salary and Work Earnings

  • An employee’s income depends on the strength of Direct and Indirect Wealth, rather than the company’s financial health.

10. Entrepreneurial Income

  • Business owners’ earnings are linked to the effectiveness of wealth indicators rather than the company’s operational efficiency.

11. Gambling

  • Direct Wealth (Zheng Cai) in the Heavenly Stems: Indicates regulated financial opportunities.

  • Indirect Wealth (Pian Cai) in the Heavenly Stems: Represents risk-based earnings, such as speculative investments or gambling.

12. Profits from Side Businesses

  • When Indirect Wealth is strong, profits from secondary businesses increase.

  • If Indirect Wealth is weak, side businesses generate low or negative returns.

13. Business Prosperity and Financial Stability

  • Strong indirect wealth signifies a thriving business.

  • If Indirect Wealth is restrained, business investments are high, but financial returns may be weak.

14. Multiple Financial Cycles

  • A strong financial cycle allows wealth accumulation over multiple instances.

  • A weak financial cycle leads to repeated financial losses.

15. Other Aspects

  • Rising Business Prices: Strong internal financial cycles enable pricing power.

  • Wealth Fluctuations in Specific Industries: Affected by annual wealth cycles.

  • Spending on Luxury: Occurs when Indirect Wealth is excessive.

  • Prostitution and the Wealth Star:

    • For men: When Indirect Wealth is an unfavorable god, excessive spending on romantic affairs occurs.

    • For women: When Direct Officer (Zheng Guan) is an unfavorable god, it may relate to the profession.

16. Lost Items

  • If Direct Wealth is unfavorable, personal belongings are lost.

  • The approach to predicting missing items follows a similar method to analyzing people’s fate.

This modern Bazi wealth analysis provides a systematic approach to financial trends based on ancient Chinese metaphysics. Whether planning investments, business growth, or personal wealth management, understanding Bazi’s financial indicators can help navigate both opportunities and challenges effectively.

The Eight Types of Symbolism in the Four Zhu (Bazi) Palace Positions

1. Family Symbolism

In Bazi (Four Pillars) analysis, each Zhu (柱, Pillar) represents different family members:

  • Year Zhu: Represents ancestors, parents, and extended family.
  • Month Zhu: Represents parents and siblings.
  • Day Zhu: Represents the spouse, as the Day Branch is known as the Spouse Palace.
  • Hour Zhu: Represents children and future generations.

Parents can be indicated in both the Year Zhu and the Month Zhu. The maternal in-laws are often found in the Year Zhu because it represents the extended family. If the influence of the Output Stars (Shangguan or Shishen) appears in connection with the Spouse Palace, it may indicate the mother-in-law. If there is no connection, this influence might refer to the paternal grandmother instead.

The Month Zhu also represents classmates and colleagues, and if the Spouse Palace is located here, it may indicate a spouse who was once a classmate.

  • Day Branch represents what is closest to the individual, such as their home and spouse.
  • Hour Zhu represents students, juniors, and descendants.

2. Time Symbolism

Each Zhu corresponds to different life stages:

  • Year Zhu: Childhood and early years (approximately 1-18 years old).
  • Month Zhu: Youth and early adulthood (approximately 18-35 years old).
  • Day Zhu: Middle age (approximately 35-55 years old).
  • Hour Zhu: Late years and retirement (approximately 55 years and onward).

Additionally, the progression of events in one’s life follows the order from Year Zhu to Hour Zhu. For example, if a person is destined to have three marriages, their sequence would typically be identified from Year Zhu → Month Zhu → Day Zhu → Hour Zhu in chronological order.

3. Spatial Symbolism

The Four Zhu also represent spatial aspects of one’s life:

  • Year Zhu: Represents distant places and foreign lands.
  • Hour Zhu: Represents gateways and entrances.
  • Month Zhu: Represents one’s ancestral home or birthplace.
  • Day Zhu: Represents the current residence.

For example, if someone is traveling far from home, their Year Zhu or Hour Zhu will often provide insight into the trip.

4. Age and Relationship Symbolism

Each Zhu also signifies different social relationships:

  • Year Zhu: Represents elders, authority figures, and external influences.
  • Month Zhu: Represents peers, colleagues, and supervisors.
  • Day Zhu: Represents those closest to oneself, such as a spouse or personal environment.
  • Hour Zhu: Represents younger generations, students, subordinates, or children.

5. Body Symbolism

Each Zhu corresponds to different parts of the body:

  • Year Zhu (farthest from the Day Zhu): Represents legs, feet, and limbs.
  • Month Zhu: Represents the torso, spine, shoulders, and back.
  • Day Zhu: Represents vital internal organs, such as the heart, brain, and bone marrow.
  • Hour Zhu: Represents external features like the head, face, hands, eyes, mouth, nose, ears, and reproductive organs.

6. Object Symbolism

The Four Zhu also indicate different physical objects:

  • Year Zhu: Shoes, walking sticks, or items belonging to others.
  • Month Zhu: Ancestral properties, family businesses, academic pursuits, and work-related items.
  • Day Zhu: Personal belongings such as houses, bedrooms, and private assets.
  • Hour Zhu: Vehicles, doors, clothing, accessories (e.g., hats, glasses), cosmetics, and financial transactions.

For example, if analyzing cars, they are typically found in the Hour Zhu, as it represents travel and movement.

7. Emotional Symbolism

The Four Zhu also reflect one’s emotional tendencies and level of influence on others:

  • Some individuals are more easily affected by external environments.
  • Others have strong personal influence over those around them.

These traits can be interpreted through the arrangement of elements in one’s Four Zhu chart.

8. Internal and External Symbolism

  • Heavenly Stems (Tian Gan, 天干) represent external attributes, such as personality traits, outward expressions, and visible characteristics.
  • Earthly Branches (Di Zhi, 地支) represent internal attributes, such as inner thoughts, deep emotions, and personal relationships with family members.

For example, someone may appear confident and charismatic on the surface (Heavenly Stem influence) but be deeply introspective and private internally (Earthly Branch influence).