​“Will I be wealthy mah?”, this is often a question I get asked so often during bazi reading.
Often, when I plot their bazi chart, the next question is, “Do I have wealth element in my bazi? How many are there?”.
 
You can probably predict where this goes. And yes, many would be disappointed when I say none or only 1. While those has a handful, their face brightens up like a camera ready to flash for the next pic.

Over this article, I will share my thoughts on why wealth element is not everything to gain wealth. And through your bazi, when is your wealth luck coming even if you don't have it in your bazi.

Our Bazi Chart – and how to see any wealth element?

Your bazi is a map to your life through the interaction of 5 elements and the categories in life the element represents. The categories is in a gist of how I can put to it in a layman term per below:

1. people around you
2. your thinking/creativity
3. wealth
4. career
5. resources in life or support

These 5 elements is then further broken into what we call “10 gods” (十神). It further help us define into your characteristics and things in life during reading of bazi.
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​Client with average wealth luck. She has a Earth (戊) day master. Water is what Earth controls and hence is the Wealth element. Notice the numerous wealth elements in her chart but she is unlike the first chart in wealth luck. In fact, she is more tight-fist over money matters.

​Golden Question - Does the number of wealth element matter?

There is no straight forward question to this answer.
But if anything and generally, no. In a normal bazi chart, you need just 1 wealth element to be wealthy. (not inclusive of special category chart).
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On the contrary, if you have too many wealth elements, there is a chance you may have poorer health or be henpecked! A case of 财多身子弱.
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Steve Job’s bazi chart was analyzed by many practitioners and there was possibly no wealth element. Yet, he is one of the richest men at one point in time. (We will come to that in a bit..)
 
As such, you can see that there is no simple easy way of – “Oh! I have many wealth element.. it means I am (going to be) super wealthy!”.

Surprise! There are other areas that can help bring wealth!

Here is a surprise to share with you. These other categories of stars and areas in your bazi can have positive impact to bring you wealth too.

Categories of Stars:
- Career
- Thinking/Creativity

Areas in Bazi
- Bazi Structure
- Your Luck Pillar

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Career
Depending on your bazi chart and structure, your career star can bring you not only wealth but fame or authority in life.

One with such stars usually can take the responsibilities and ease up the career ladder or is well liked by bosses. When their bazi structure allows, one typically rose to be leaders in their own fields or are in senior management.

But when one has such talents, gaining wealth also means certain sacrifice in life (e.g. family time or leisure time).

Thinking/Creativity​
You maybe thinking how can thinking stars in your bazi bring you wealth.
The logic is simple. In bazi relationship, your thinking star grows your wealth stars.

Using the production cycle in 5 elements, for a Metal day master, your wealth is Wood. Water is then Metal's thinking.

The formula is hence: 
Metal (self) produces Water (thinking) and produces Wood (wealth).

​This route typically belongs to roles in marketing, design or innovating fields.

Bazi Structure
This is probably less mentioned in bazi context. But, this is also an area that can define you as ability to reach the top or being the Average Joe. (When I mention Average Joe, one can also earn comfortably so long as one tap on their given talents indicated in their bazi.)

​I shall not go into this area as it would be a lengthy write up, but just to give you a flavor of other areas in bazi other than purely wealth star.

Luck Pillar
This is the luck that one goes through at different stage of our life.
In our bazi, each luck pillar define 10 years of our life's luck. And this define from young to when we aged.

Using sailing as an analogy, think of it as you sailing out in the ocean. If its a choppy sea and bad current? You can think of the movie "Poseidon". Or you are enjoying good luck sailing through smooth favourable current. 

The golden tip is - when one is going through good wealth luck in luck pillar, one can enjoy good wealth too. This is even if you do not have Wealth element in your bazi.

Conclusion

So I hope you have learn that in bazi, wealth star is not all you need to be wealthy. Certainly not the generic way of thinking - the more wealth star the merrier. Through other categories and areas in bazi, one can become wealthy or at least comfortable in life too. 

In life, we “win” some – the gaining of wealth, and we “lose” some – the loss of family time. So its not all perfect at times too.
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Curious about your wealth luck or have questions to your bazi?
Do drop us a note here, and we will try to revert.

Happy 2021!

As we usher in the new year, the next zodiac to be ushered in would be the Ox year. Today, instead of sharing a CNY related article, I wish to discuss on this occurrence in a bazi chart - one where you would see duplicate pillars. In bazi terminology, this is called "Fu-yin".

​Why so special this time round?
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In this new year, we have the Ox year as we all know. And in case you may not be aware, each year would end off with the Ox month (typically in month of January). The thing to highlight is for babies born in 2022 January, they would likely have a “Fu-yin” in their bazi. What is so special is we would see almost TWO consecutive months of “Fu-yin”.

​The "Fu-yin" period falls between:
5 Jan 2022 – 31 Jan 2022
辛丑

4 February 2022 – 4 Mar 2022
壬寅

What is "Fu-yin"?
"Fu-yin" literally means photocopy – duplication. As long as two pillars are of the same within your bazi chart, it is considered "fu-yin".

Over these two months, the month and year pillar would be exactly the same. As such, babies born on these dates would have a bazi chart containing the "fu-yin" situation.

As per the above 2nd image, we even have a day in Feb 2022 with all four 壬寅 pillars of "fu-yin". Such does not occur often.

Is "fu-yin" good or bad?
When "fu-yin" happens to appear in one’s chart, it may not be all bad.
However, the most important thing to take note:

1. If the two "fu-yin" pillars is negative luck in the bazi chart, the negative effect is compounded.
2. However, if opposite is true, the luck would be double blessing.

 
In addition, one’s luck may be volatile when passing through certain phase in life. You may see one phase of life that maybe wonderful and a sudden fall from grace. Some of these bazi charts may also imply a likelihood to have poorer luck in marriage.

Do note, this sharing is purely on bazi chart alone. As you may know, one's luck in life would also be influence by their luck pillar - 十年大运.

As such, for parents whom are planning to have a child and with EDD over this 2 months, may wish to take note. It is recommended to consider a birth date selection due to reasons shared above.  

Were you born in "fu-yin" months and implied meaning?

​I did a quick research over the past 30 years. There were some days where "fu-yin" also appeared across all four pillars. If you were born in this month and year, you would likely have such "fuyin" in your bazi chart too.

1983 Nov 癸亥

I met a lady through a bazi consultation. What was interesting while reading her bazi (as below) was the number of fire in her chart. In some part of our consultation, I had advise her that she is one of those blessed to be a tai tai and has the life to enjoy.

​True enough, she is a stay at home mum and has a comfortable life. I mean, after all, “How I can wish I can be a tai tai” is something typically being wished upon. I guess its good life.. where you need not work and can be supported by your husband.

That was when the conversation turned and she posted a question to me. “But a fengshui master had told me before that I should not cook, because I have a lot of fire in my bazi. Is it true??”, said this lady. She was also advise best not to wear red which would not be favorable to her. (Much to her disappointment as she actually enjoy and love red.)

I looked at her chart and I can understand why.

You see, typically, in a bazi chart, it is generally believed that bazi chart is best to have balance. It should not be overwhelmed by one element. In a normal circumstance, this chart is indeed not too good with half the chart in fire.

A person born with many fire in such bazi chart may often get sick and/or highly likely to endure a tough life. (Of course, besides elements, we have to consider the ten gods aspect of each bazi.)

However, this lady’s bazi chart belongs to a bazi chart called “Follower’s chart” (从格). I would save the technicality part of it. But effectively, this chart’s way of reading would be opposite – the stronger the fire the better!

​As such, fire is good for her! Fire also stands for her husband and status. As such, able to enjoy a tai tai life. Had the fire been unfavourable to her, she would not have her current life and may not even get married. (Her relationship aspect in this bazi chart does have other flaws, but we shall leave that for another article to explain)

Even under a normal bazi circumstances, ​I then explained to her, practicality has to be considered in bazi. It cannot be that one should steer away from all fire related stuff if fire is bad for her. No cooking, no walking under the sun (丙 is essentially the sun and fire in bazi context).. then one may find to it hard to live a life with so many "cannot do list". Just like, it cannot be due to one's bazi chart having many water - one should not drink nor swim.

There is a difference between, say, a career for example and daily life.

Bazi reading is after all a mystical science where it can be inferred on many areas. As shared earlier, a base concept in bazi is that every 1 of the bazi character out of the 8, can be represented by elements or different ten gods. This represent certain things in life - status, money, relationship, your thoughts etc and if its good or bad for you. However, the reading has to make sense and there is a line to be drawn. At the end of the day, bazi reading as such should help us and not handicap one.

Nonetheless during the end of reading, I'm glad my client expressed that she does not have to try avoid red clothings. She is happy that it actually brings her luck!

Recently, I saw the sad news of Bollywood star Irfan Khan whom had recently passed on. For anyone who may not be familiar with him, he appeared as the charismatic CEO and owner of the Jurrasic Park in Jurrasic World (2015) movie. He also starred in other Hollywood movies such as The Amazing Spiderman, Life of Pi and Slumdog Millionaire to name a few. What struck me was at the prime age he was at – age 53 when he passed on due to illness relating to Neuroendocrine tumor.
 
He announced of his illness back in 2018 and after two years of battle, he left. What I would like to share is some of the warning signs with the arrival of Fan Yin (反吟) and Fu Yin (伏吟) found in his chart.

As the image above shared, he entered into a Fu Yin (伏吟) luck pillar in 2016. This also means he is in the Fu Yin luck for 10 years from 2016 to 2026.

​What does Fu Yin mean or imply for a person having it?
​

What is Fan Yin and Fu Yin?

To give a basic understanding, both terminology can be explained as below.

​Fan Yin happens when there is an arrival of a pillar causing elemental clash. Depending on where the clash happen, it signals unfortunate events or can cause harm to the affected person or affect relationships.

"​Fu Yin" happens when its the exact same pillar appearing. 
It denotes a sad or tear event happening during that stage of your life.

Mostly, these are not exactly good to have in one's bazi chart. ​Only for some exception cases it may be of good omen.

​Entering the negative "Fu Yin" luck pillar in 2016​ and the trigger
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During 2016, the luck pillar of 丙午 pillar appeared and mirrored Irfan Khan's bazi chart at age 49 - as illustrated in point (a) in image. As in the case of "Fu Yin", it is indicating a possible of sad event waiting to happen. When an unfavourable element or time is encountered in the next 10 years, it would trigger an event.

In 2018, the earth dog year arrived as highlighted in point (b) - a strong earth year. Being a strong metal day master, more earth as explained would mean health issue. This is the trigger that cause his bazi to worsen during this "Fu Yin" luck pillar. Through this analysis, we can gather that there is strong odds of unfortunate event manifesting from this illness.

During then, he announced on the social media of his illness where he had a tumor in March 2018.

​Appearance of Fu Yin and Fan Yin together during 2020

In 2020, a "Fan Yin" situation now arise in Irfan Khan's chart after his illness.  This can be denote through arrival of the 庚子 year clashing into the luck pillar and year pillar of 丙午 - illustrated in pt (d). The top half of 丙 fire attacking 庚 metal and bottom half of 子 water attacking 午 fire. This forms the pillar of 天克地冲, not a good formation to have. 

​I believe the "Fan Yin" clash together within the "Fu Yin" luck pillar was the last straw and creates alot of instability with negative influence.  When a year pillar suffers a clash, it also meant bodily harm. This was shown by a "Fan Yin" clash with his luck pillar too. Sadly, the news of his passing was reported in 2020 at his prime age of just 53.

Looking at this chart, does it struck you with the number of water in the bazi chart? What does the water element do and represent? Is it like some mainstream belief that water is wealth and the more the merrier?

Welcome to this case study of Mauricio Pochettino, an Argentine football manager and the ex-manager of Tottenham Hotspur football club. For football fans, you would know that after bringing the club to one of the most successful season going into the Champions League Final in 2019, he has been sacked.

The areas we would explore and analyse some coincidence:

1. Why did he suddenly lost 7 out of the 12 English Premier League (EPL) games since Feb 2019?

2. Why was he suddenly sacked on November 2019?

3. Did the Pig year (Pig is of water element) caused him his troubles?

Started the season well but.. what happened?

Pochettino and Tottenham Hotspur started the 2018-19 season well. Reaching February 2019, the team was 2nd in the EPL. They won 20 out of their 26 games at that time (a strong 77% win rate). But since February 2019, he only won 4 of the next 12 EPL games left (a very low win rate of 25%), losing 7 of them. That is a huge drop in winning percentage anyone can see. 

What is the explanation of Pochettino going through a bad phase since February 2019?

Based on Pochettino's bazi chart, he is a 壬 water day master. Other water that are already in his chart are what we term as "Friend stars" (比肩). This is due to being the same element and thus the term “Friend stars”.

With many water already in his chart as plotted, he would usually dislike going through water years. It imbalance the bazi chart with arrival of more water (such as Pig or Rat years). As such, 2019 being a Pig year which is water, is not favourable for him as the year begins. This is what we call 比肩夺财. Meaning arrival of friend stars robbing his fortune literally. This also cause him to go through bad phase in life in general.

What happen after the Pig water year started:

• It was reported in various news source that his players were unhappy with him and he would not even discuss game tactics with his players.
• Relationship with his players suddenly broke down over this period quickly. It was also reported that after losing the Champions League Final to Liverpool, he left quickly and not with the team together back to England. (Typically, the manager and team would travel to and fro the game together)
• He was reported to have also left a note to say goodbye after being sacked.

All these were some of issues reported in various news reports. 

Pochettino has been with the club for over 5 years and it is known that the club has been getting better by the year. His downfall seem to be peaking by the day as 2019 progresses.

Why November 2019?
The Pig water month started on 8 November. 20 November 2019 was the day he got sacked. ​Barely 2 weeks after the start of the Pig month. If you look at it, you could say the arrival of water element is also the strongest during this point of time. It was a extremely cold day if you look at the gloomy chart below, a water month and year on a metal day.

Coincidence he got sack during this unfavorable period on the arrival of water month?

Summary
I have mentioned earlier the effects with too much water. Pochettino's end to his reign at Tottenham is very sudden given he has been doing well over the past 5 years. Things really turn fast. This is even ironic given what he has brought to the club, albeit without winning any trophies. In my opinion, most would not have expect him to leave if this question was posted before he started losing. 

What happens after this? Looking on the bright side, Pochettino's issues are only caused by this year and 2020 (2020 is a rat year which happens to be a water year too). Upon the passing of this water period, he should do well again.
 
This forms my analysis of how being a water day master, the arrival of water has greatly affected him. (As with the reported issues that were reported) 

​In part, why was career affected? Because, this pig carries the earth on top. This year happens to be a Earth Pig year which earth represents his career.

The "she" we are talking about is an iconic Hollywood actress whom achieve fame in 1990 in “Ghost” the movie. She subsequently starred in various movies in the 90s. In 1996, she became the highest paid actress with $12.5M to star in Striptease which was unprecedented then.

She is Demi Moore and through her birthdate, I present to you some interesting coincidence. (Believe it or not..)
 
Demi Moore is born on 11 Nov 1962. She is a 癸 water born (highlighted in turquoise box below) in a winter water month of 亥. As always, the day master forms one of the focus of reading. Although we do not know her hour of birth, it is safe to say she is a strong water based on her chart drawn. (Her hour pillar in chart is estimated)

She is presently 57 and is in the 乙巳 pillar (age 51 pillar) – a good phase of her life. In fact, those highlighted in red are luck pillars that are highly possibly her good years.

From her childhood days to now
The blue box denotes her childhood and formative years from 1 to 21 years old (the small numbers on top of luck pillar denotes her age). 

a. Childhood (Highlighted in blue box):
She has shared of her unhappy childhood and negative influence from her mother. As she is a strong water, the metal luck she goes through would cause more issues.
So how is metal link to her family? Metal represents her mother since metal produces (think “give birth”) water. It was reported that her mother accepted money from a man and with her knowledge, raped her at home. (something that was well documented online) This is an instance of harm when there is a imbalance.
This happened during her age of 15 when she just cross into 酉 metal luck which is another metal appearing in her luck pillar.

 
b. Health Issues (Highlighted in blue box)
Health wise, it was reported that she suffered from kidney dysfunction and lazy eye issue. In Chinese Metaphysics, the 5 elements (五行) represents various organs. Kidney is represented by water element. Eye represented by wood.
 
How does the metal years she went through affect her health? I mentioned earlier that metal is not favourable for her. With the strong metal luck in her earlier years, this brought about imbalance of water as metal produces more water. Too much water causes her wood to decay and rot too. Arrival of metal luck also attacks wood. This was thus reflected in her health where she reportedly had to overcome kidney disease and had eye operation during young.

Fire was badly needed to keep her warm and dry but is lacking –  yes, this also implied money issues represented by fire. She reportedly need to relocate more than 30 times due to her job changes by parent.  

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​c. Career (Highlighted in red box)
 Demi Moore went through money luck and did well in her career during the 90s:

1. a. From 1990 to 1991, though it falls during the 戊申 pillar which was supposed to be not favourable, she has managed to do well. This was due to 1990 being a (午) Horse year which is fire - She hit the jackpot when she starred in movie, Ghost. 
2. The favourable 丁未 luck pillar governs from 1993 to 2003. If you break the 10 years into 2 halves, 丁 would govern from 1993 to 1997.  未 would be from 1998 to 2003 which is less favourable. She starred in several films where she was well paid in with the record breaking US$12.5M in Striptease (1996) and other successful movies in G.I. Jane (1997).
3. From 1998 onwards, the start of 未 Earth luck (Yellow box) comes in which was a less favourable phase. During this period of time, her career was quiet. She devoted herself into motherhood and retreated from films.
4. 2003, the start of her 丙午 luck pillar money luck again. She came back into movies starring in Charlie’s Angel. 

All in all, she has went through good luck pillars till date – her nett worth can easily be found online. This is due to the Fire pillars (her money luck) she has went through as highlighted. Of course, this is also due to Fire was favourable to her.

That said, it does not mean anyone going through money luck period would mean big bucks. If money luck is unfavourable for you, you would stand to lose money. Her next unfavourable times would come during age 71, why? Make a guess by checking out the earlier luck pillar image what element is coming up during age 71...

One common use for bazi is for people to check on their relationship luck. Many a times, I have highlighted marriage may not be suitable for everyone. Most often is due to bad outcome, which the bazi charts depict one of the possible categories:
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1. Great marriage (can be tai tai or be in a loving relationship)
2. Will meet someone but faces some challenges in their relationship (due to children or parents, distant from our partners etc)
3. Will meet someone but may/will experience divorce
4. Able to come across many partners and have a lot of relationship (which may affect their marriage)
5. Unable to meet anyone or far and few partners
6. In a homosexual relationship (Not foolproof but bazi chart may give inclination)

Case Study
Above is a bazi chart of a lady I met previously. She had consulted on her relationship. As she had been married for less than a year, she has already experienced many issues with husband. She was hoping to see what she can do for her marriage but I could tell she was prepared for the worst.

My reading prior to the meeting was she does not have a lot of luck in love and likely to be her first or second relationship only. And her partner’s quality is likely to be less ideal. Both were verified as we spoke. (When we say partner’s quality is less than ideal, usually can mean unable to provide, major character flaws etc. to put it generally.) Now the issue lies in their differences in opinion and husband can get quite aggressive with her.
  
Why is this bazi chart having such issues?
In this chart, there are at least 3 areas to show poor relationship love luck. Here which I would highlight some areas.

The spouse palace has been attacked as illustrated where 酉 attacks into 卯 (metal attacks wood). Spouse palace in layman term, is where the spouse stays. If this palace is having friction and being attacked, the odds of having good relationship goes down. (Ref above image) This is thus a tell tale sign of issue. Most people that I have seen having this clash have higher odds of not being in relationship or in a less than ideal relationship.

​​Wood represents the husband/relationship luck in this chart. But the wood over here is weak in the metal autumn season. As such, the husband would likely carry major flaws to the relationship. The lady has shared that her husband has been very aggressive and hard to communicate.

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Third point, water in the chart represents the lady’s mother in law. In the chart, you can see the water (MIL) supports wood (husband). Interestingly, it is noted that the lady shared in event of quarrels, mother in law always sided her husband regardless right or wrong.

To add on, this lady is a weak 己 earth day master. She would favour having earth and fire. It must also be noted that during the consultation this year, its 2019 which is year of earth pig (pig = water). Pig clashes away the Fire snake (亥 attacks巳) . This leaves her lacking support from fire and therefore feeling helpless in 2019.

​In conclusion, the various pointers highlighted already bring up the odds that she would have an unhappy marriage. There are other areas which I have not shared in this article as it can be quite technical. Of course, one could say that upon knowing the above, it may not change the course and some may still get married.

How bazi reading provides insight

Bazi chart would also show various character traits. Positive traits such as feminine, gentle, hardworking, honest, or negative traits where one may be flirtatious, spendthrift can be seen. Other interesting characters such as e.g. being very money prudent, temperament does show in one's bazi chart. 

The objective to analyse these character traits is to not only to look at compatibility of character. But importantly, should you only be in a relationship for short term, such characters may not reveal yet. It would be helpful to allow one to have a clearer picture and decide if one wish to commit further if at a crossroad.

​Eventually, you are given a chance to consider hard against the bazi reading pointers, (if) spotted before taking the plunge.

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