How To Know If You Will Be Wealthy Using BaZi (八字)


Posted On Last updated Nov 18, 2020 | Published on Jun 3, 2017

I realized there has been a topic I hardly touch on, which is wealth. It doesn’t cross my mind to write about wealth often because I’ve always seen it as a very natural by-product of living a good, productive life. It’s one of the few aspects of life that virtually everyone wants to know about and it has always been one of the favourite topics when we talk about metaphysics.

The clients I’ve had come from vast backgrounds, and I’ve had the privilege of assessing their charts and witness firsthand how it shows up in real life. One aspect that I really enjoy about my job as a practitioner is that I always get to hear other people’s stories, and it’s always heartening to hear stories of success, grit, and redemption.

If you’ve been following my blog, you’ll know that I feel the value of metaphysics is not just in its application – the philosophy of it also matters. In fact, sometimes understanding its philosophy is more useful than the application. This blog post is to explore what wealth means in the eyes of metaphysics and why certain BaZi chart-holders are destined to be wealthy.


What Wealth Is And Isn’t – Metaphysics’ View On Wealth

When people talk about wealth, it always ends up purely being about the money and the number you bring home each month. The measure of one’s success or good life is merely about the number which appears in your bank account.

The deeper question to ask is that is this truly a good measure? Did our ancestors who created BaZi want a good life to be measured this way? No doubt, the amount still matters to a large extent, but the point I’m trying to make here is that we need to view this from a few different angles.

I’ve met a lot of people who earn decent or earn very well in fact, but they have very miserable lives. Some of these people either have a lot of family drama, or they don’t even have the time to spend their money or have some time for themselves. On the other hand, I also know a lot of people who earn significantly less, but they are content, wholesome and fulfilled individuals.

Most people see only what they wish to see or what they desire.

Let’s take the example of starting your own business: A lot of my clients are business owners and they do earn quite a bit more compared to my clients working in the corporate world. However, a majority of them feel burdened by the business and they don’t actually have a better quality of life. The business becomes a burden instead because there is always a worry about covering overheads and whether there will be enough revenue the next month. To the people in the corporate world, this might sound surprising to them, but it really isn’t.  We simply don’t have enough deep conversations with one another to realize these things.


Case Studies On Wealthy BaZi Charts

When BaZi enthusiasts try to interpret their own charts, they are always very excited to see a lot of Direct Wealth (正財) and Indirect Wealth (偏財) in their charts, but right after this excitement they begin to ask themselves, “Why am I not rich yet?” Assessing the chart of a person who is meant to be wealthy is not that straightforward of course – BaZi analysis is never that straight forward. Certain conditions need to be met before the wealth ‘gods’ in one’s chart actually mean anything. In most cases, just have one really strong wealth ‘god’ is enough; having two or three weak ones is pointless.

There are also plenty of situations where having wealth ‘gods’ in one’s chart is actually a bad thing to the surprise of newcomers to BaZi. That being said, one does not always need wealth ‘gods’ in the chart to in order to attain wealth per se although it does help for sure. As long as the chart structure is a good one, and one’s talent can be fully realized and put to use, attaining wealth can be done with relative ease. One can even enjoy the process too. The most well-known chart structure would be ‘Output Producing Wealth’ structure (食傷生財格) and people with such charts are known to be extremely successful businessmen. Other forms of chart structures are able to do that as well but perhaps not at the level of ‘Output Producing Wealth’. As long as you have a talent and are capable, wealth can be acquired, so regardless of whether you are a Direct Resource (正印格),Direct Officer (正官格),or even a Peer Structure (比劫格), you can still acquire wealth if you utilize your talents correctly, you can definitely still acquire wealth. I’m going to share some of the charts of people whom I’m familiar with. They are my friends who come to me for advice once in a while, and they’ve kindly allowed me to use their charts as a case study.






The Yin Metal BaZi chart belongs to a friend of mine who has been an entrepreneur since his university days. He runs an extremely successful food and beverage business with an annual turnover of over 5 million and the business is expanding really well. You will see his restaurant in the high-end malls in Singapore and it’s one of those restaurants where there is always a queue. His chart is a classic ‘Output Producing Wealth’ structure.

The Yin Earth BaZi chart belongs to his partner who is also extremely wealthy by virtue of the success of the business, but you’ll notice that his chart structure is very different, with two Rob Wealth (劫財) ‘gods’ sticking out which are known to be negative ‘gods’ in a strong Daymaster chart, which his chart falls into. If we were to speak purely from a wealth angle, both of them can be said to be equally comfortable financially, just that, of course, the chart makes their personalities and the way they handle money very different and not to mention their backgrounds are worlds apart. People with 偏財 usually spend a lot more and can be really magnanimous, which is why they make good businessmen sometimes because of the relationships they build. The restaurant chains’ partner is more ‘by the book’ kind of person. And yes, the ‘gods’ that appear in a BaZi chart is able to determine the personality and character of the chart-holder and how they deal with the world for sure, like how it can be done using Zi Wei Dou Shu (紫微斗數) by assessing the stars and which sector they end up in.




The above chart belongs to my client whom I’m helping to design his landed property. His chart belongs to the Indirect Wealth structure (偏財格) but without the Eating God (食神) and Hurting Officer (傷官) to enhance the strength of the wealth element – not that he really needs it to be honest as the presence of the Wood element is already pretty strong in his chart, and on top of that he has two ‘Wealth Vaults’ (財庫) appearing as the wei (未) Branch in his chart, his source of wealth is not only abundant, but he’s able to keep it for sure as well. On top of that, his Elemental Phases is such that the wealth element continues to strengthen, so the utility of the two ‘wealth vaults’ in his chart is enhanced. This is the reason why, at his age, he’s able to fork out more than $3.3 million for his house. Like the owner of the restaurant chain above, this client-turned-friend of mine is also an extremely generous and friendly person, and he’s one of the clients I really enjoy working with.



This Yang Earth chart belongs to a female acquaintance. As you can tell, she’s not even 30 yet, but she is already earning a 7 digit annual salary in the corporate world. She works as a private banker. The presence of wealth is extremely strong in her chart thanks to the Water combination that forms between zi, chen, and shen.  On top of that, her Daymaster is strong and worthy enough of acquiring the wealth that is present in her chart. Yes, she’s lucky to be born in a good family, but rest assured she’s a very hard worker too.

I didn’t really go into detail in breaking down the steps in the analysis when I touched on the above charts, but just know that all of their Elemental Phases (运) are excellent; supporting their Daymaster and upholding the positive structure of the chart. Not to mention that 3 out of the 4 charts have a ‘Wealth Vault’ (財庫) within it which is great for accumulating wealth.

The one chart without ‘Wealth Vault’ is is able to acquire wealth no doubt, but keeping it is the question. Not all wealthy charts are enviable, to be honest – some of them are plagued by health problems or marital woes and I have encountered plenty of those, but I won’t touch on them for now.


What These People Are Like In Real Life

Most people will adopt a mindset that goes, “These people are lucky which is why they are wealthy in the first place.” Most people will also attribute it to sheer luck.

To some extent, the above is true but only for the case of the private banker. Of the case studies above, one come from an average family, one came from a family plagued with family issues as the father was a gambler, and the other’s family has a wet market business. They didn’t exactly get a huge headstart, but yet, they are now more successful and wealthier than most.

The above charts holders are some of the most hardworking, down to earth, and talented people I know. They are also authentic and treat people well. They did not go into business for the sake of wealth itself. Their intent was different and you can feel it and I can’t put a word to it. Yes, they may dislike the corporate world like most of us secretly do, but the point is that they were willing to start small and brush aside what society thinks of them, and they focused on what they enjoyed doing and the camaraderie that came along with it.

Most people would ask me “Why them and not me?” The bluntest answer is that the people with non-wealthy BaZi charts simply do not have the willpower, capability, or raw talent to have wealth flowing to them. 

When you’ve seen enough wealthy BaZi charts and have met these people in person, you’ll know that their wealth is simply a natural occurrence of who they are and a by-product of their hard work and years of sacrifice. When the time was right, Heavens decided to grant them the wealth and success that they clearly deserve. People do not become rich without doing anything and I don’t know why people assume that a wealthy BaZi chart equates to that. Even in the case of striking the lottery, you still have to get off that lazy backside of yours and purchase a ticket. A chart is not a description of the things that happen to you arbitrarily and I mentioned time and again it is not about “luck”. Your chart is a description of your inner world and how you interact with the world, and the above four people truly deserve their level of wealth.


Looking At Wealth From A Metaphysics Perspective

I don’t want anyone to be mistaken that as long as their chart is roughly similar to the above charts, they stand a good chance to be rich. You might argue that some people are just born rich and they don’t have to work at all, which is true, but honestly, if you stripped them of their privileges, the ones with the rotten attitudes brought on by a life that’s too comfortable would not be able to survive anywhere, and I personally hate being around such people because it’s not exactly an inspiring friendship. Not everyone born into a wealthy family becomes a prodigal child though, to be fair.

There is a reason for the saying “wealth doesn’t last three generations”. What the wealth ‘gods’ really represent in your capability, resourcefulness and character – that is the foundation of true wealth and a good life worthy of respect.

If you’re Metal Daymaster, Wood is your wealth; if you’re an Earth Daymaster, Water is your wealth. Out of all the possible interactions, people don’t usually think about why the Wealth Element in BaZi the element that your Daymaster controls and why the Chinese sages came up with this formula. Why can’t the Wealth Element is the element which controls the Daymaster instead or the one that produces it given that wealth is seen as nourishing?

Wealth, at the end of the day, is what we can create and produce, which is why is it the element that your Daymaster controls. A tree or block of wood will remain as such unless Metal turns it into something valuable. A piece of metal ore is worthless until it’s put into the furnace to be forged.

You can keep talking about ‘luck’, but the world is not going to change for you just so you can be luckier. I’ve also mentioned in this blog post of mine that ‘luck’ is not what we think it is. I would encourage you to read that blog post after this entry.

Yes, some people have quite a good head start or foundation to give them a boost, whereas some really need to fight their way through, but ultimately your ‘luck’, in my opinion, is ultimately still determined by your own mindset and what you want your life’s experiences to mould you into.

I’ve argued many times that the people with an upturn in their Elemental Phases are fighters who are extremely resilient and positive, whereas those who self-victimize with a bad attitude are those who encounter continuous negative phases in their lives. There is a clear difference in the attitude and characters of people with good charts as opposed to those with bad ones. You can see your Elemental Phases as your mental state and attitude as well, because this ‘luck’ that we always speak of is nothing but the interaction between us and the world, and each thought and action triggers off series of cause and effects that will lead to a certain outcome.

The prodigal people born into a rich family may have a good natal chart or perhaps their Year Pillar is supportive, but if their Elemental Phases are horrendous, you will eventually see them fall from grace, and no matter how big their bank account is, you won’t see them inspiring faith of confidence.


Unethical Wealth That Brings Trouble – Is It Worth It?

There are a lot of cases where you will see someone get a windfall through unethical or illegal means and people like to ask whether this is a good thing in the eyes of metaphysics. Of course, it’s not.

Wealth is supposed to make us feel safer or bring us peace – not the opposite.

Do you wish to wish to get a few million dollars but not be able to get a peaceful night’s sleep ever again, or maybe a few hundred million but be pursued by law enforcement for the rest of your life? Is that regarded as true wealth? At the end of the day, you’ll have to decide what your relationship with money should be like and what the numbers in your bank account mean to you.

The above is a thought experiment that I like to get people to do because it reframes how we relate to wealth so that we can pursue it in a more balanced manner. Wanting to be rich is not a bad thing and it is definitely not intrinsically evil, but my take is that it needs to be pursued in a balanced manner. This is also the reason why in BaZi and Chinese metaphysics theory, having a lot of wealth elements appearing is not necessarily a good thing.


The Exceptional Cases

Of course, there would be outliers and cases of people turning into multi-millionaires by sheer luck and this is one of the rare few times where I refer to the word “luck” but its literal meaning.

There are a few things to consider here. Is striking the lottery really a good event? Some people’s lives did spiral out of control after getting a windfall because of their inability to handle money.

As for those who got rich with the lottery and went on to have great lives afterwards, well, let’s just say that Heavens felt that they deserved it and that they are worthy of getting a lift from them. Certain things are still fated, and most of us aren’t worthy.


Before You Say “Yes” To That Higher Paycheque

I’ve had tons of clients who were tempted by a higher paycheque, only to join a new company and have their lives thrown into disarray. You’ll see that happening in a lot of start-up companies where they lure you in with a big pay bump, only to work you to death and ruin your career trajectory.

Sometimes, staying put and maintaining a stable-state is the best thing to do. Going for that 20% or even 30% higher paycheque may not be worth it. 

You will always hear me talking about balance, and this balance between effort, time, and monetary reward needs to have some form of balance too in my opinion. I was part of the working world too after all, and did I feel that my time and effort put was worth my paycheque? Of course, I didn’t.

How do you put a value on someone’s time? To me, time is priceless, because you can’t buy a second of time even if you had a million dollars. Whatever this balanced state means or feels like is up for everyone to define it for themselves. Do not forget that a good life is more than just about your money because whereas I hope everyone is financially comfortable, I also hope you have a healthy body and a warm and loving family to go back to.


When you put someone with a wealthy BaZi chart beside someone that’s not meant to be wealthy, you will definitely be able to see the differences yourself. You don’t need to be a practitioner to be able to assess what makes them different and the contrast in their achievements.

The point is this blog post is to get everyone to re-look at what wealth means to them and also to have a hard look at whether they are on the right track. Starting a business may not make your life better. Getting that higher paycheque may not be a good thing either, especially if you’re going into a company that’s unstable and has a toxic environment.

Most importantly, it is to ask yourself whether you are really doing the right thing in order for true wealth to come. Whatever this means is unique to everyone and I don’t have a templated answer. For some, it might mean being content with your current paycheque now and focusing your time on your family and health, and when you do, perhaps you might find that inner drive to want to do even better.

Whatever it is, I have never seen a wealthy person being on ‘auto-pilot’ or being passive about life and they things they do.

Wish to get a consultation but have a question? Get in touch:

Written by Sean Chan

Sean Chan is Asia's leading Chinese metaphysics consultant specializing in BaZi, Zi Wei Dou Shu, Qi Men Dun Jia, and Feng Shui. A thought leader in the field, Sean's been featured on Channel NewsAsia, Rice Media, 联合早报, The New York Times Style Magazine and other local media. He blogs regularly about various topics surrounding Chinese metaphysics and aims to educate the public about the field.

Related Posts

Bad BaZi Charts: Revisiting The Taboo Topic

Bad BaZi Charts: Revisiting The Taboo Topic

Hi everyone, Before I start, if you've not followed me on my Instagram page, I'd like to invite you to do so. I'm a lot more active there now and posting snippets of cases I've come across, client stories (sometimes indirect testimonials), and important reminders...


  1. Ferri

    I know its away too late to comments on this particular article.

    I am wondering that Should it be even that natal chart of person is not good.

    But as long as they pursue the career or business along/sync with their talent, eventually they will success?

    Talent means their 10gods, such as pioneer, eating god, director etc.

    Very happy and appreciate if you can advise.


    • Sean Chan

      Hi Ferri,

      If the natal chart is weak, it’s still OK in my opinion. What’s important are the Elemental Phases – that holds more weight in assessing whether the chart-holder will be successful eventually.

  2. Jenny Villanueva

    Hello mr. Sean.. Im very much interested in bazi reading, but dont know much about it and find it a little complicated..would you kindly please help me to view, read my personal bazi reading.thank you so much and verymuch appreciated.
    I was born on feb. 3,1974 @ 11:30 pm philippines.
    And my partner for 15 years was born on dec. 30,1982.
    Can you please help me to find my blocked.. Im verymuch eager to stop my sufferings.whatever w/c way ill do it. Please help. Thank you so much and Godbless you and more power.

  3. Jaclyn

    Hey hi!

    I am very interested in learning the essence of bazi, however, I cannot seem to view the images of your clients’ bazi, I right clicked to reload it but it didn’t work. Please look into the issue, and this blog was written really well!

    Thank you 🙂

    • Sean Chan

      Hey Jaclyn!

      I’m glad you enjoyed the post! I enabled the images such that you’ll be able to click into it and view it. Do check whether your browser is blocking any images from being downloaded too. It appears alright on my side. Let me know if you still can’t see it!

  4. Lim Chee Wan

    Hi Sean,

    Your articles seem to be for people with some bazi study knowledge.

    I have the same software as yours but cannot derive the same chart as yours.

    For example, for the Landed property client, I cannot choose the ‘Xin Si’ Day and for the the last lady chart, I cannot get the ‘Jia Zi’ Month

    Is there a difference in the Settings for the software?


    • Sean Chan

      Hi Chee Wan! Thanks for leaving a comment!

      Yea I’ve been getting feedback that my articles are rather technical, but then again if I don’t make it technical it’s just going to sound like any other blog on BaZi out there.

      You should be able to get the dates on your app if we’re using the same one. I’m using the default setting.


  5. Veera

    Great content!

Let's Keep In Touch!

Let's Keep In Touch!


Haven't made up your mind? The FAQs might help: Frequently Asked Questions

Please follow my Instagram page for more updates, stories, and case-studies: masterSeanChan's Instagram Page

You have Successfully Subscribed!