What Can Bazi Chart Analysis Reveal About Your Finances?

 

Before reading on, calculate your Bazi Chart here.

 

For many of us, finances are off-limits as a conversation topic. We often don’t want to talk about money matters and financial issues and may even be in total denial about our financial standing. 

But avoiding the problem is not an effective way to solving it. As hard and as difficult as it may be – open your bank statements, take a good hard look at your financial situation and then make a plan. If you’re in debt, make a plan to consolidate your debt and start paying it off. 

In today’s society, it is often impossible to have zero debt.

But keep in mind that there is a big difference between good debt and bad debt. 

Bad debts are those that you have due to careless spending habits or in instances where debts quickly accumulate to a significant amount.  

Take a medical loan as an example – medical debts can amount to massive sums and are largely avoidable if you get medical insurance in time.  

Good debts, on the other hand, are those you take on to be able to invest in yourself or to grow your business. 

The quality of the debt is entirely determined by what you spend the money on. Going into debt over an expensive handbag leaves you worse off than taking up a loan to obtain the advanced degree you need for your career! 

Borrowing money for assets or to invest in yourself is almost always considered good debt. Regardless of why you are in debt though, once you do have debts you need to eventually repay them and for that, you need a financial plan or strategy. 

A Bazi Chart analysis can tell you a lot about your attitude towards money, which is often the source of the problem, and your ability to accumulate money. 

When it comes to debt management, always identify the source of the problem in the Bazi Chart. This is the first step. It requires you to be honest with yourself because you have to identify your financial “default setting”.

Identify the Issue

Your “default setting” concerning money and finances is analyzed by evaluating the strength of the following 10 Gods:

  • Direct Wealth (DW)
  • Indirect Wealth (IW)
  • Rob Wealth (RW)

You will find their relative strength expressed in % at the bottom of the Bazi Chart in the 10 Profile Strength Chart:

(Focus on the beige-colored bar, as this is the Natal strength of the elements.)

Only check these three indicators – Direct Wealth, Indirect Wealth, and Rob Wealth – and note their strength in percentage. People who have Direct Wealth at about 40-90% are natural savers and accumulators. They are meticulous with their finances and do not want to take risks. 

A Direct Wealth element that is either lower than 30% or higher than 90% indicates that this person does not prioritize saving money or simply does not care enough about financial safety.

Indirect Wealth is the opposite of Direct Wealth. People with a high % of Indirect Wealth like to take financial risks or, at the very minimum, do not mind taking a risk. They tend to be rather extravagant when it comes to financial matters and are very generous. Thankfully, they are also very good at making money – their weakness lies in holding on to it. 

If the Indirect Wealth is at a very high percentage, and the Direct Wealth element is in an unhealthy range (below 30% or above 90%), then this can lead to excessive debt. 

Rob Wealth is an element that loves spending time with friends and building bonds with others. This is where most of your energy goes when you have a high % of Rob Wealth in your chart. This also shows us that this person’s ability to manage their finances is likely quite undeveloped, as a high % of Rob Wealth is a clear sign that money slips through your fingers. 

People with a Rob Wealth element in the 70-100% range tend to spend a lot because they like entertainment and socialize with others. The tendency for a high Rob Wealth individual to amass debt is significant. They are extremely generous and accumulate a lot of credit card debt.

Handing over your finances to someone with a high Rob Wealth structure is a very bad idea! 

Annual Financial Trends

Once you have analyzed Direct Wealth, Indirect Wealth, and Rob Wealth in the chart, you will next turn your attention to the Auxiliary Stars. 

The Auxiliary Stars play an important role, especially when it comes to the annual financial trends that may affect you directly.

To look for the annual Auxiliary Stars in your Bazi chart, scroll to this section (highlighted in green):

 

The three Auxiliary Stars you want to look for are:

  1. Year Breaker
  2. Greater Consumer
  3. Lesser Consumer

Each one of them will have a direct impact on your finances in any given year, but each will have a different effect. 

Year Breaker: The Year Breaker often indicates setbacks and obstacles in most areas of life, not just your finances. But since obstacles often bring financial obligations with them, we want to be aware of the Year Breaker in our chart and plan our finances for the year accordingly. 

Greater Consumer: As the name implies, this is the Star of “money outflow”. For business people, this usually brings cash flow problems. If you don’t own your own business, then it is the Star that will bring unexpected expenses or spending. 

This one can be quite painful as these are expenses you cannot run away from – for example, your car could break down several times that year, requiring expensive repair works. 

Lesser Consumer: This is the Star of frivolous spending and as such, it can be controlled by careful budgeting. This energy usually leads you to spend way beyond your financial capacity or leads you to many small purchases that end up costing you dearly. Having the Lesser Consumer in your chart will make you feel like you want to go out and spend money. 

A great way to counter the negative impact of the Lesser Consumer energies is to spend your money on knowledge, self-improvement, and on acquiring a new skill that is related to your career. That way you fulfill the “mandate” of the Lesser Consumer, but you will also get some return on your investment. 

These are the Stars that will throw you off your financial game. But by being aware of it you can take precautions. 

 

It is not just important to know whether or not you are affected by any of these financial game changers, what’s even more important is for you to understand where in the chart they appear – your Year Pillar, Month Pillar, Day Pillar, and/or Hour Pillar:

bazi for finance chart analysis

Year Pillar: When found in the Year Pillar, your friends will likely make you spend money on social activities.  

However, if you are a salesperson or a business owner and you have the Lesser Consumer in the Year Pillar, then this is not so bad, because the Year Pillar represents your clients and professional circle and you should probably do more networking (which includes spending money). Even though you may be spending more money, this is done in the name of business development. 

Month Pillar: This Pillar represents your wealth and career. As such, you do not like to see negative financial game changers in this Pillar. 

First, you will have to check whether this Pillar is in “Death & Emptiness”. If that is the case, it is a rather spiritual Pillar. This is not bad per se, but you do not want this in your career or wealth aspects because you will not care about money and do not have the drive to make money. When opportunities arise, you will likely not pursue them, if this Pillar is in Death & Emptiness. 

Combined with one of the three Auxiliary Stars mentioned above, this could mean that you accumulate debt because don’t think it’s a problem. Money simply doesn’t matter to you. 

Day Pillar: Having one of the “negative” financial Auxiliary Stars in your Day Pillar often indicates a time where you spend a lot of money on yourself and on personal vanity items. This is something you have control over and that can be reigned in by making – and sticking to! – an annual budget. 

Hour Pillar: As with the Month Pillar, we do not want to see the Hour Pillar in Death & Emptiness when we analyse a chart from a financial perspective. This Pillar represents our ambitions and dreams, your thoughts and aspirations. If this is in Death and Emptiness, combined with one of the negative financial Auxiliary Stars, then this person can become quite aimless in every aspect of life, which usually harms their finances as well. 

Risk Assessment

A third way to see a person’s attitude towards money and finances is by looking at the Month Branch in the Bazi chart – specifically the Main Qi in the Hidden Stems of the Month Pillar.

bazi chart analysis diagram

 

This Main Qi – and specifically the 10 God element associated with it – tells you a lot about how a person looks at money and how risk-averse they are. 

Certain 10 God elements are prone to taking high risks and even thrive in high stake financial situations, while the other 10 God elements have a very conservative and safe attitude when it comes to taking financial risks.

Direct Officer: These are the goalkeepers. They have financial goals and are guarding those goals. They are all about protecting their finances and plan for their financial future. Nothing is left to chance. A cautious attitude towards money supersedes everything. These people are therefore only suited for safe investments and they are content with seeing their money grow slowly but surely. 

Direct Resource: They play it safe and are risk-averse. These individuals know where to put their money and they know where to invest. But they tend to be a bit complacent.  

Direct Wealth: Direct Wealth people are hoarders. They like to accumulate and save and have a financial backup plan for everything. Taking risks is not part of the equation.

Eating God: These individuals are creators and are very good at generating wealth through their creativity. The only problem is that for them, money is not important, it’s all about art. They make great consultants and enjoy problems – including financial problems – as it enables them to find creative solutions.  

Indirect Resource: They like financial shortcuts are and usually the types to buy lottery tickets. Often, they tend to make extra income through risky endeavors while keeping a stable income as their main source of wealth. Because they are great at analyzing trends and patterns, they make great traders and like the stock market.  

Indirect Wealth: They can take a risk and are good starters, but lack in the follow-up. However, these individuals have a good nose for financial opportunities and are willing to make the most of whatever opportunity comes their way. Money comes, money goes.  

Hurting Officer: They are great at spotting financial loopholes and blind spots. That’s also why they are very good consultants and lawyers. However, they are showy and focus on appearance, which means that there is a higher risk of spending money.

Friend: Friend individuals tend to be oblivious when it comes to money and financial matters.

Rob Wealth: Rob Wealth people spend a lot on socializing and entertainment, and are extremely generous. What saves them is their great network, so if they get into trouble, their friends will usually help them out.   

7 Killings: These are the gamblers and high rollers. They love taking huge risks and like the adrenaline rush, it gives them. This often leads them into debt. Unfortunately, they also get into debt just to get even with someone or to show they are up to a challenge. For example, if you tell them “I don’t think you can afford this house”, they will go out and buy it, just to prove the point.  

Getting Financial Help

Thankfully, Bazi can also help us fix a debt issue. This is not to say that you shouldn’t explore other non-Metaphysics avenues to settle your debts! But your Bazi Natal chart can assist if you find yourself stuck with a debt problem. 

For this, we look at the Fortune Virtue Auxiliary Star. This is the Star of financial help. 

Your Year Branch is the focal point here. If your Year Branch is the Rat, then your Fortune Virtue Star is the Rooster.

The best-case scenario is if you find your Fortune Virtue Star in our Natal chart itself. This then indicates that you will always have financial help at hand, the only thing you need to do is ask. Who do you ask? Check which Pillar it is residing in. 

Year Pillar: Friends, social circle, wider network of friends.

Month Pillar: People you work with, parents, siblings.

Day Pillar: Your spouse, best friends, closest siblings. 

Hour Pillar: Your children, employees, subordinates, investors. 

If you do not have your Fortune Virtue Star in your Natal chart, then you still have two other options at your disposal: 

Option 1: Check the Natal charts of your friends, co-workers, family members. Everyone who has YOUR Fortune Virtue Star in their Natal chart can help you financially

Option 2: Look at the months of any given year. Which one is the month that has your Fortune Virtue Star? This is the best month to find a solution to your financial issues and debt problems. 

For example – your Year Branch is the Rat, so your Fortune Virtue Star is the Rooster. The Rooster month of every year is the month in which you should look for financial assistance.