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【天财】
甲乙人见戊己为财丙丁人见庚辛为财
戊己人见壬癸为财庚辛人见甲乙为财
壬癸人见丙丁为财(林开五命)
【又天财】
纳音本干自见真五行财，而见合者，是假令乙亥人，四干中见庚者，是天财也。乙亥纳音火克乙庚真金，干头自是财故也。主富足优逸，一生无不足愁苦之叹。
【真财】
术者多以甲见戊，乙见己之类为财，是未知真财，甲己见丙辛、丙辛见戊癸、戊癸见乙庚、乙庚见丁壬、丁壬见甲己，为真财，生居有气旺相之位。有气旺相为此五行主富盛，若居死绝无气处者，有如无也。
【生成财】
所谓生成财，以其支干合也，假如甲乙生，用戊己土之属，申子辰上之生旺库也，若戊申、戊辰、戊子、支干合成，故谓之生成财，凡人命入贵格，除贵外须主大富，乃多历钱谷重任，若不入贵格，其生成财上又无福神助之，是大豪富百姓命，仍主纳粟有官，又有自生自旺财，如甲乙人戊午己亥是也。余彷此推之。（林开五命）
【生合财】
甲人见戊癸乙人见己甲丙人见庚乙丁人见辛丙戊人见壬丁
己人见癸戊庚人见甲己辛人见乙庚壬人见丙辛癸人见丁壬
以上主成立富贵。
【子母财】
如木命人见火，月土日时之类是也，主平生多见喜事。
【财下有财】
如火命人见火月，土日时之类是也。
【类财杀】
寅午戌人见乙庚巳酉丑人见丁壬申子辰人见戊癸亥卯未人见甲己
【财会杀】
寅午戌人见辛丑巳酉丑人见乙未申子丑人见丙戌亥卯未人见戊辰
以上乃妻财聚会之神，主富足，及有美妻、横财，却防妇人毒药害命，古诗去：财会刑，商贾因妻富出伦，但防毒药因此掩夜轮。（并广信集）
【名位财】
食神中见库是也，假令戊子火人见庚戌、戊食庚，火墓在戌，克金为财，逢此者，一生受禄也。余彷此。珞琭贵贱格。
【外财】
只取长生宫是，如甲用戊己为财，见戊申是也，又如癸用丙丁为财，见丙寅是，此类多得外财。（李虚中书）
【鬼财】
干头见鬼，而纳音反制，克干头鬼者是也。假令丁卯纳音火，丁于真五行属木，四干中见乙庚，是干头金鬼，丁卯纳音火，却能制乙庚金，故名鬼财，此类人多主一生得世财、或为豪猾胥吏之徒以起家，丁卯丁酉得乙庚、戊寅、戊申，得丙辛、乙酉、乙卯得戊癸【准】此。更带辰戌丑未多者，主为艺术之士，而大获世财，大抵鬼财主不得父祖产业之力，而多主自立强干得之，若被刑杀带杀，居福聚之地者，多主寇盗之类，更逢恶运，则多因恶财以致死，有吉神救助，而居子得之，则而主横财，横得横失矣。（玉霄宝鉴）
【财库发金格】
如戊己干克水为财，水墓处是也。
年干克下是天财，克墓之乡正库开，财入库时多谷帛，家豪谷物积成堆。
如毕状元己亥年、癸酉月、庚辰日、甲申时是也。（紫虚局）
禄命身三等财库者，取我克者为财，为甲子金，甲为禄属木，木克土，故土为禄财，土墓在辰，是为禄财库也，子命属水，水克火故火为命财，火墓在戌，是为命财库也。金为身，金克木，故木为身财，木墓在未，是为身财库也。余彷此推之，主财产丰盈，自能劳立，少年多主辛苦，渐方称遂。
财绶者，并以岁干制月建，如甲乙人在辰戌丑未，丙丁人在申酉，余准此，若人遇之，主职位崇高，印绶显赫。（三命铃）
但看财命有气逢背禄而不贫者也。财绝命衰，徒建禄而不富。
王氏注云：人生以财命为主：五行所克者之谓财，财与命皆得属于五行生旺之地，虽四柱背禄亦不至于贫贱也，或命与财二者无气，虽得建禄，亦不能致富贵也。
莹和尚注云：财命宜旺地，如庚寅木命，庚禄在申，见丁亥土，木生土旺，虽背了申之庚禄而不贫，次如火归巳地，逢金土，向申中遇水，皆曰财命有气。财绝命衰者，戊戌木命，见丁巳月生，虽云压禄财乡，其隶命衰财绝，虽建禄而不富，此法不但月上时日皆然。（珞琭子）
凡命纳音财多而旺者，有财贿而浊在死墓处，逢财主富，而悭贪无义，亦主因死人而得财。（广信集)
【身衰不能克财】
谓如金克木为财，若壬寅金见戊辰木，安能克制翻成损气，如丁卯火自败，不足以制癸酉自旺之金，五行同此。（广信）
【小盈大亏，恐是劫财之地】
莹和尚注云：譬如丙辰土命，见癸巳，丙禄在巳，以水为财，劫杀却居巳，财既绝矣，命又衰矣，即曰小盈大亏，恐是劫财之地。（珞琭子）
This chapter systematically explains the formation principles and real-world manifestations of various wealth stars in Eight Characters astrology. Wealth stars represent opportunities for wealth, material resources, and business capabilities, but their specific effects require comprehensive analysis based on the rise and fall of the Five Elements and the coordination of patterns.
Day Masters Jia and Yi (Wood) encountering Wu and Ji (Earth) → Wealth Star
Day Masters Bing and Ding (Fire) encountering Geng and Xin (Metal) → Wealth Star
Day Masters Wu and Ji (Earth) encountering Ren and Gui (Water) → Wealth Star
Day Masters Geng and Xin (Metal) encountering Jia and Yi (Wood) → Wealth Star
Day Masters Ren and Gui (Water) encountering Bing and Ding (Fire) → Wealth Star
(Quoted from Lin Kai Wu Ming)
Nayin Heavenly Wealth: The Nayin's inherent stem carries the true Five Elements wealth star and shows a combination. For example, a Yi Hai (Nayin Fire) person encountering the heavenly stem Geng → Fire overcomes Metal as wealth, and Yi and Geng combine. Indicates a life of abundance and comfort 🌱, with little experience of poverty.
Goes beyond surface stem-branch combinations (e.g., Jia encountering Wu), delving into the transformation level of the Five Elements:
Stem-branch combinations form wealth stars. For example:
Specific stem-branch combinations form Growth-Combination Wealth Stars:
Jia encounters Wu and Gui, Yi encounters Ji and Jia, Bing encounters Geng and Yi, Ding encounters Xin and Bing
Wu encounters Ren and Ding, Ji encounters Gui and Wu, Geng encounters Jia and Ji, Xin encounters Yi and Geng
Ren encounters Bing and Xin, Gui encounters Ding and Ren
Indicates building success from nothing 🏗️, with prospects of wealth and nobility.
The Five Elements of the Year Pillar's Nayin → generate the Five Elements of the Month Pillar (e.g., a Wood life person born in a Fire month) → Fire is the child of Wood, and wealth is gained through the child, indicating a life full of joyful events 🎉.
The prosperous energy of the native衍生 wealth stars (e.g., a Fire life person encountering a Fire month and Earth day/hour → Fire generates Earth as wealth), indicating layered accumulation of wealth.
Specific Three Combinations encountering Heavenly Stem combinations:
Three Combinations encountering specific stems and branches:
The Food God appears prominently and meets the tomb (e.g., a Wu Zi Fire person encountering Geng Xu → Wu eats Geng, Fire’s tomb is in Xu, and the Xin Metal in Xu is overcome as wealth), indicating a life of abundant salary and rank.
Wealth stars reside in positions of Longevity (e.g., Jia Wood encountering Wu Shen, Gui Water encountering Bing Yin), indicating easy gains of unexpected wealth or seeking wealth abroad 🌍.
Nayin overcomes the ghost star in the stem (e.g., Ding Mao Nayin Fire encountering Yi Geng Metal → Fire overcomes Metal, controlling the ghost as wealth).
Such people often start in unconventional fields, as intermediaries, or through technical skills 🎨, or work as public officials, often building wealth from nothing.
If accompanied by Chen, Xu, Chou, or Wei, they often gain wealth through technical skills; if combinations involve heavy penalties or killings, they may easily engage in gray income, and bad luck could lead to wealth-related disasters ⚖️.
Wealth stars enter the tomb (e.g., Wu and Ji Earth overcoming Water as wealth, Water’s tomb is in Chen), indicating piling up gold and jade 🏦.
Example: The命 of Top Scholar Bi
Year Stem controls the Monthly Construction (e.g., Jia or Yi Wood year person born in Chen, Xu, Chou, or Wei Earth months), indicating high position and powerful authority 🎖️.
Nayin wealth is numerous and prosperous → wealthy and generous;
Wealth star in death or tomb → wealthy but stingy and greedy, or gaining inheritance or windfall wealth ⚰️.
Day Master is too weak to control the wealth star (e.g., Ren Yin Metal weak encountering Wu Chen Wood strong), instead the wealth star consumes the body, damaging energy and luck 📉.
Wealth star faces robbery killing and decline (e.g., Bing Chen Earth life encountering Gui Si, Water wealth is exhausted in Si, and Si is also the robbery killing), indicates small gains and big losses 💔, be cautious of disasters caused by wealth.
Wealth stars are not just symbols of wealth but represent resource control, risk tolerance, and value creation capabilities. The ancients constructed a complex system to assess personal wealth potential through the interactions of the Five Elements and pattern combinations.
The essence of wealth is energy flow—the Five Elements overcoming each other as wealth reveals that "value arises from restraint and transformation." Individuals must seek dynamic balance between "taking" and "giving," "risk" and "stability."