Assessing Wealth Loss With BaZi And Zi Wei Dou Shu

November 27, 2017

Hey everyone,

It’s been quite a crazy busy month and I haven’t had the time to blog for a while now. It’s the first month where all my services are being implemented, and I’ve been doing BaZI, feng shui, c-section date selections, baby naming and even lessons all within the same month. It seems like a lot of new property developments have been issued a Temporary Occupation Permit (TOP) and home owners are now looking to assess the feng shui of their house. On top of that, Chinese New Year is just around the corner and many people are either looking for an annual review for their BaZi or looking to get some form of forecasting done for themselves. The even crazier thing is that a fellow Singaporean living in Switzerland wants to engage me to assess a plot of land on Santorini Island. This has been the busiest month I’ve ever had ever since I started this sideline – even more so than Chinese New Year this year. My website has been growing quite steadily and, naturally, so have the requests for readings and feng shui audits, so thank you everyone for the support and the trust. If you are new to this blog, please take your time to go through the older articles – it holds a lot of my thoughts and view on this field and it’s imperative that you read it should you ever be considering a consultation. I will write a roundup post soon to consolidate all my old posts in the near future so that it’s easier for everyone to navigate my website as the archives pile up.

Anyway, due to popular request and in light of the recent cases I’ve been getting, I’ll touch on the topic of wealth again but from a different angle. Instead of looking at finding out whether or not you will be rich, I’m going to talk about wealth loss this time and how it can be identified in your chart, be it using BaZi or Zi Wei Dou Shu. Some of my clients from 2015 have been coming back to get an annual review for 2018 as 2017 has been a rather challenging year and I have pointed this out to them before. Many of them have lost their jobs for one reason or another. It’s a good idea to use metaphysics to identify such events and plan ahead to minimize the disruption and stress to your life because, sometimes, you are at the mercy of your surroundings and environment.

Let move on to the core topic of the post.

Differentiating Different Types Of Wealth Loss
Let’s get the the definition right first, because it matters in the eyes of metaphysics. What most people don’t realize is that wealth loss can come in so many different forms and have different root causes. We can see it from an angle whereby it manifests as the inability to draw resources from our surroundings. Drawing sustenance from our surroundings is the fundamental law of surviving in nature, just that we as humans draw it in the form of cash or money when we provide labour.

To give some examples, wealth loss can come from the following:

1) Losing your source of income, which could mean losing your job, a major client etc.
2) Unexpected wealth loss resulting from certain calamitous events which can be due to health, meeting the wrong business partners etc
3) A failed business venture

The severity of the event differs from chart to chart and it’s often hard to quantify it, but the reality is that the chart-holder will definitely feel the impact and disruption to his or her life. There might be cases where a large amount of money needs to be spent perhaps on a house, but I wouldn’t exactly classify it as wealth loss. For this post, I’ll focus on events that are considered extremely negative like the two examples I pointed out above, and should be prevented as much as possible. Spending money on a house is not exactly a loss per se, but converting your wealth into something else that holds value, and in fact, it might bring you more wealth in future if done properly.

Losing Your Source Of Income

I’m going to give a very quick example of how wealth loss can be assess in a BaZi chart. Please refer to the chart above. It belongs to one of my friends who has kindly agreed to let use her chart as a case study. A few quick comments on the chart:

  • The Daymaster is definitely strong, with too much Resource ‘gods’ (印) appearing. This is a classical case of 土厚金埋 where there is too much Earth burying Metal. If the flaws of this chart is not addressed, it does manifest as the lack of achievements or any form of significant achievements in life because Metal can’t even be extracted, so we don’t even have room to talk about forging Metal into something valuable.
  • The natural remedy for a chart like this is definitely Wood. Wood acts as a form of control over the excessive Earth and ‘loosen up’ the soil. In the Chinese classics you’ll hear the term 疏土 often. Wood also serves a second purpose of being the source for Fire, which is required to ‘forge’ Metal.

Always, Always Look At The Elemental Phases (运)
Just a quick note, I have since stopped using the word “luck” because I do not believe in it. I’ve written my thoughts on why there is no such thing as luck as long time ago which I would encourage everyone to read. “Luck” suggests that things happened without us having to do anything about it, and such ways of thinking has no room in metaphysics. If someone has an extremely high quality chart, it’s does not mean that good things happen to them for no reason.

Anyway, let’s look at the elemental phases of the chart-holder above. A few keys areas to focus on:

  • Zoom in on year 2016 where it is 丙申 year. As something born in the year of the Tiger, year 2016 clashes with the 寅 (Branch associated with the Tiger zodiac) in her chart.
  • 寅 happens represent the chart-holder’s source of wealth and it’s a built-in beneficial element in her natal chart and it’s fortunate that she has this.

Now, the key thing to ask now is whether this clash is a good or a bad one. Contrary to what most people believe, a clash in the charts is not always a bad thing. Clashes usually represented change, and change can be positive and it will almost always be accompanied with progress. I was born under the Tiger zodiac as well but 2016 was a fantastic year for me, albeit a very tiring one with a lot of changes especially to my career.

We have already established the fact that Wood is very much needed in this chart. As such, the clash between 申 and 寅 in her case is considered a very negative one and there will be a risk of loss of wealth, or more accurately, loss of income in 2016 because of the clash. Wood is the most important element that she needs to encounter, and it must not be harmed. Alas, 2016 was the year she lost her job, and around the autumn period too where Metal was the strongest. The 未戌刑 the appears in her 10-year elemental phase (大運) plays a part as well, and it basically sets up the environment in which a bad event is likely to trigger. Note that we always have to assess the 10-year elemental phase first because looking at the annual elemental phase (流年運), so no practitioner out there should only look and comment on your annual elemental phase.

Going Deeper Using Zi Wei Dou Shu (紫微斗数)
BaZi can’t exactly go into too much specifics. It was never a method which is known for that. We can use Zi Wei Dou Shu to look for the root cause of her wealth loss. This is the part where it gets a bit confusing because of the advanced techniques used behind Zi Wei Dou Shu, such as 宫干四化 and 宫为转换, which basically refers to Zi Wei Dou Shu’s version of Flying Stars and also what the 12 Palaces (宫位) represents, which can be up 12 different areas of a persons life and this is just the first layer. Multiple layers can’t be added but it’s usually not done so as it’s not exactly practical nor constructive.

The immediate thing that stands out is the 叠忌 that forms in the 流年事業宮 and the 化忌 is tagged to the 廉貞 star which is known to be associated with politics, and in serious cases lawsuits and bloodshed. The severity of a negative trigger for 廉貞化忌 depends on where 廉貞 is and also if any other negative stars (煞星) end up in the same Palace. True enough, my friend unfortunately lost her job due to office politics which could have been easily prevented.

Sometimes, wealth loss comes in the form of the company not doing well. You can read a case study on career success here regarding the Lego layoffs which was announced earlier this year.

Differentiating Between Natal Chart And Elemental Phases
When BaZi enthusiasts try to assess their own chart, they often fail to appreciate the difference between the natal chart and the elemental phases. The old saying goes 命好不如运好, and elemental phases do tend to carry more weightage because it’s the part of the chart where we seek the ‘remedies’ for the chart – we hope to encounter beneficial elements somewhere down the line.

Your natal chart basically describes your inner-world, your talents and basically who you are. Someone with a good chart will naturally be wise and intelligent, and will be able to make good decisions. The elemental phases (运) describe the environment and how you are engaging with it, in order words it roughly translates to one’s mindset and attitude as well as one progresses through life. This is the reason why when our elemental phases are against us, we tend to feel that everything around us is just going wrong. It’s also important to ask if we are creating such an environment for ourselves too. For a more in-depth discussion on this topic regarding elemental phases, make sure you visit my old blog post here.

What does this have to do with wealth loss? Basically, what I’m trying to get out is that, it’s usually a combination of who you are as a person and your environmental factors. It’s a bit of an obvious statement, but truth is this is all there is to metaphysics and it’s the reason why practitioners are able to ‘predict’ things. Who you are as a person and how you are interacting with the environment determines everything. The above case study is a good example of the actions of the chart-holder caused a negative event to trigger.

Other Factors Leading To Absolutely Unnecessary Wealth Loss
There would of course be unfortunate cases of wealth loss that are more severe and absolutely unnecessary, and when such events happens it’s mostly due to characters flaws or personal issues, which leads an event triggering when the timing is right. What do I mean? Sometimes, wealth loss can be due to having bad people around you, or simply because of an unfortunate event. These can be assessed from the charts as well and they often appear as 七殺攻身 charts or 梟神奪食 chart’s. I can’t think of any case studies I have on hand at the moment, but generally speaking, people with possess such charts just somehow keep making bad decisions for themselves which eventually leads to wealth loss. The bigger problem here is not the wealth loss per se, but rather, and to put it bluntly, flawed ways of thinking and looking at the world. I’ve already wrote a very long articles on the difference between a good chart and a bad one which I would encourage everyone to read as it’s tagged as one of my “Must Read” articles.

To sum it up, wealth loss comes in many different forms, but all in all it refers to the lack of ability to draw sustenance from our surroundings, very much like what every living organism is doing in this world. The inability to draw sustenance from your surrounding can stem from hostile environments (obstacles and people out to harm you), weak constitution and health (weak Daymaster charts) or a lack of a fertile environment (companies doing bad). Don’t always see thing as cash related. BaZi is a study of nature’s laws after all, and we are a product of it.



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