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正财者，乃甲见己、乙见戊之例。受我克制，为我之妻，譬人娶妻，妻赍财嫁我，我必精神康强，而后可享用，若衰微不振，虽妻财丰厚，但能目视，终不得用。故财要得时乘旺，不偏正混乱，不重迭多见，自家日主有力，皆能发福。若财多身弱，柱无印助，财少身强，柱有比劫，太过不及，皆不为福。
《珞》云：若月令得财局，身衰逢印资助，当作富论，如先见印，却怕见财。
《独步》云：先财后印，反成其福，先印后财，反成其辱是也。用财不宜明露，柱见比劫，则宜透出，使人共见则不能夺。
赋云：财宜藏，藏则丰厚，露则浮荡是也。凡财格，喜见官星显露，别无伤损，或更食生印助日主健旺，富贵双全。如干支见煞，亦能享用，即逢财看煞之义。大怕枭，夺则不能生，刃劫则不能享，库逢空则不能聚。如甲生午月，见壬伤，丙卯破，乙夺；乙生巳月，见癸伤，丁亥破，甲夺；壬生戌月，甲子旬戌落空亡之类。余以例推。
又曰：财为养命之源，凡人八字不可无财，但不要太多，多则不清，若柱原无财而行财运，乃有名无实，如财多身弱，又行官乡财旺之地，见财盗气，官克身，不惟不发禄，且祸患百出。
又曰：财为马，官为禄，二者不可缺一，实难两全，原有财星宜行官运，原有官星宜行财运，行财运生官，行官运发财，若柱中原无官星，只是财多，又行财运，亦能成就名利，间有登科者。盖财不畏多，多则暗生官也，须得身旺方能胜任，若无财，官多身受其制，反不为吉，柱中无官，只取有财为福。
又曰：财官与煞，用月支者，所谓以支为命，日干者，所谓以干为禄，若月支有财官，干头不露，自足为福，若地支无财官，干头明露，乃虚诈无实之命，纵行旺运，亦不济事。苟月支无而年时日支有，亦可取用，月地支坐财官，谓之得时，日地支坐财官谓之得位，时地支坐财官，谓之有成。得时为上，得位次之，有成又次之，兼得一二尤妙。年主祖父富贵，中年后无用。
又云：庚辛日生于正月，别位有火为煞，以克庚辛，虽年月见寅卯，亦无祖财，一生熬煎，遇发财处必成灾祸，以木旺生火，害日干之金，天元羸弱，财党煞生，不能为福。
又云：正财之格，主人诚实，行事俭约，赋性聪明，惟有悭吝，若财旺身衰，主妻秉男权，持家干蛊，又主有好子替力，反得优游之乐，运行比劫，妻妾多危。
《独步》云：财旺生官，富而且贵，露官藏财，无不高位，藏则丰厚，露则虚费，冲者宜透，实则滋利。
《中书奥旨》云：我去克他为妻财，干强则富。又云：身弱财多，喜兄弟羊刃为助。又云：财旺者遇比无妨。又云：妻财明朗，乔木相求，财星入墓，必定刑妻，支下伏财，偏房宠妾。口诀云：财星太过愚。又云：大运、流年、三合财乡，必主红鸾吉兆。
《千里马》云：财源被劫，父命先倾。又云：男逢财多身弱，妻话偏听，财星得位，因妻致富成家，财遇长生，田园万顷，财旺生官，白身荣显。
《元理赋》云：大贵者用财而不用官。又云：财临旺地人多福。又云：孤寡者只为财神被劫。秘诀云：财生身旺两相停，不喜再见比肩。
《万祺》云：正财逢生旺而优游享福，遇劫财则晦滞呻吟，官星若见，平生惹是招非，七煞若逢，处事少成多败。财旺身衰，祸深福浅，财多身弱，要印扶身，身旺财衰，怕劫分夺，财食入库者福厚，例食求财者贫夭。
诗曰： 正财喜旺食丰盈，日主刚强力可胜，若是财多身自弱，平生破败事无成。
又： 正财还与月官同，最怕干支遇破冲，岁运若临财旺处，须教得富胜陶公。
又： 正财切忌劫财神，破害刑冲不可论，岁运那堪逢刃地，命延不死也遭。财星得位正当权，日主高强名利全，印绶若逢相济助，金珠满柜福绵绵。
又： 身旺无官只取财，财神冲破却为灾，身衰财旺还知夭，官盛身强福禄媒。
又： 财多如何不发财，只因身弱少培栽，运到比肩身旺地，富贵荣华次第来。
又： 财多身弱刃刚强，身旺之乡大不祥，凤寡鸾孤寒夜怨，房中妻哭两三场。
又： 财神忌透只宜藏，身旺逢之大吉昌，切忌比劫相遇会，一生名利被分张。
又： 财多身旺足荣欢，身旺财多化作官，身衰财多财累己，是非不竞起争端。
合诸说，观正财喜忌见矣。
岁带正马 如甲日午年己，乙日巳年戊，喜忌与月干正财同。若岁带正马，生辰戌丑未月或夏令月中，己土旺相，不犯刑冲分夺，日干乘旺，主受祖业丰厚。若生寅卯月令，柱中更带比肩，或遇运行伤劫之地，必主贫困。
时带正马 如甲日带巳午时之例，无刑冲破劫，主招美妻，得外来财物，生子荣贵，财产丰厚，此非父母之财，乃身外之财，招来产业，宜俭不宜奢。
财旺生官 《继善篇》云：富而且贵，定因财旺生官。盖财有生官之理，既取财为用，不要见官，若见官则为财官格矣。柱有伤食，虽财厚亦不能生官。如戊己以亥子、壬癸为财，以寅卯甲乙为官，若生壬子、癸亥月，四柱不见寅卯甲乙，是为财旺生官，如此元命因富致贵，或纳粟及仪宾之类，若月令财无损克，亦主登科，透庚辛则不能生，不以此格论。
天元坐财 如庚辰、辛卯日，春生，甲乙木为财，喜戊己印生身，壬癸食生财，忌庚辛金劫夺，切不可岁逢官煞，即春月金弱，不能胜任，反不为福。甲午、乙未日夏生，己土为财；甲辰日夏生，戊土为财；丙戌、丁丑日秋生，辛金为财，喜忌俱与前同。惟壬午、癸巳二日，禄马同乡，不专以财论。
Direct Wealth refers to wealth generated when the Day Master overcomes a different-yin-yang element, such as Jia Wood overcoming Ji Earth or Yi Wood overcoming Wu Earth. It is akin to a bride bringing a dowry upon marriage, requiring the Day Master to be energetic and robust to fully enjoy it. If the Day Master is weak, even with wealth, it is difficult to control. Therefore, Direct Wealth must be timely and strong, unmixed with Indirect Wealth, and not overly repeated, while the Day Master must also be robust to achieve prosperity. If wealth is abundant but the Day Master is weak without the support of the Resource Star, or if wealth is scarce but the Day Master is strong and faces competition from Peer Stars, blessings are hard to attain.
🔑 Key Points
- Timely and Prosperous: It is best for the Wealth Star to be strong in the Month Branch.
- Balance is Key: The amount of wealth must match the strength of the Day Master.
- Taboos:
- Wealth Stars exposed openly are prone to competition (better hidden in Earthly Branches).
- Avoid the Predator Star seizing the Food Star, the Rob Wealth Star dividing wealth, and the Wealth Treasury being empty.
- Excessive wealth with a weak Day Master can lead to disaster.
| Classical Concept | Contemporary Mapping | Risk Warning |
|---|---|---|
| Excessive Wealth, Weak Self | Excessive debt/resource mismatch | Anxiety, overextension, poor decisions |
| Wealth Hidden, Officer Exposed | Low-key accumulation + legal protection | Flaunting wealth invites jealousy |
| Direct Horse in the Hour Pillar (Hour Pillar Wealth) | Side hustle/passive income | Suitable for investment, avoid extravagance |
| Wealth Prosperity Generates Officer | Wealth transforms into social status | Must match personal ability |
✨ Those with Wealth Stars entering the Treasury (Chen, Xu, Chou, Wei) should practice regular savings.
⚠️ Be cautious with partnerships during years with exposed Peer Stars.
The essence of "wealth" is a medium of energy exchange:
"Direct Wealth favors prosperity and abundant Food Stars, the Day Master strong and powerful can prevail."
✅ When capability matches opportunity, wealth and growth form a virtuous cycle."Excessive wealth with a weak self, the Blade strong... in the chamber, the wife weeps two or three times."
❌ Warning: Material pressure leads to the breakdown of family relationships.
Case 1
Original Text: For example, Jia born in the Wu month, seeing Ren (Injury), Bing Mao breaking, Yi seizing.
Interpretation: Jia Wood Day Master born in the Wu month (Fire prosperous). If Ren Water (Injury Officer), Bing Fire (energy drain), and Mao Wood (Rob Wealth) appear, it forms a contradictory structure of "Injury Officer generates wealth + Rob Wealth seizes wealth," prone to investment mistakes and profit sharing.
Case 2
Original Text: Direct Horse in the Hour Pillar, such as Jia Day with Si Wu hour... attracts property and assets.
Interpretation: Jia Wood Day Master with Si or Wu Fire in the Hour Pillar (Food/Injury generates wealth) indicates late-life side income, but it requires preservation rather than expansion.
| Scenario | Classical Strategy | Modern Approach |
|---|---|---|
| Early-stage entrepreneurship | Wealth should be hidden (do not flaunt wealth) | Light-asset operations/control exposure |
| Investment decision year | Avoid empty Wealth Treasury | Maintain cash flow > 30% |
| Marital asset management | Wealth as Wife Star, avoid robbery | Prenuptial agreement/separate accounts |
| Career transition period | Weak self aided by Resource Star | Further education to enhance risk resistance |