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何谓之正财？犹如正官之意；是阴见阳财，阳见阴财。大抵正财，吾妻之财也。人之女貲财以事我，必精神康强，然后可以享用之；如吾身方且自萎懦而不振，虽妻财丰厚，但能目视，终不可一毫受用。
故财要得时，不要财多。
若财多则自家日本有力，可以胜任，当化作官。
天元一气，羸弱贫薄难治。是乐于身旺，不要行剋制之乡；剋制者，官鬼也。
又怕所生之月令，正吾衰病之地，又四柱无父母以生之；反喜财，又有见财，谓之财多。
力不任财，祸患百出；虽少年经休囚之位，故不如意，事多频併。或中年或末年，复临父母之乡，或三合可以助我者；则勃然而兴，不可御也。
倘少年乘旺，老在脱局，不惟穷途悽惶，兼且是非纷起。
盖，财者，起争之端也。
若或四柱相生，别带贵格，不值空亡；又行旺运，三合财生，是皆贵命。其餘福之浅深，皆随入格轻重而言之。
财多生官，要须身健。
财多盗气，本自身柔，年运又或伤财，必生奇祸；或带刑併七杀，凶不可言也。
又云，正财者，喜身旺、印綬，忌官星、忌倒食、忌身弱、比肩劫财。不可见官星，恐盗财之气也；喜印綬者，能生身主弱故也。
且如甲日用己为正财；如身弱，其祸立至。
凡人命带财下生，须出富豪；不螟蛉，必庶出、或冲父母。
身旺无劫财，无官星为妙。
若命中有官星得地，运行喜财星多生官。
兼有财星得地，运行忌见官星，恐剋其身；怕身弱也。
大抵财不论偏正，皆喜印綬，必能发福。
如【辛丑，丁酉，丁巳，丁未】：此命丁日身坐财之地，又见巳酉丑金局，故主财旺。盖金得木库居未，能生丁火，故身旺能当其财；运行东南方，宜乎巨富。丁用壬官，用庚金为财，生壬官；身入旺乡，必能发福。
凡用财，不见官星为妙。
如【庚申，乙酉，丙申，丙申】：此命丙日见三申为财，岂不美哉！丙用癸官，用辛为财，见三申一酉为财，故旺。盖缘日弱，火病申死酉，乃为无气，运行西方金乡，身弱太甚；财旺生鬼，败剋其身，故不能胜其财，所以贫也。
如【乙卯，癸未，辛酉，戊子】：此命辛日坐酉，乙年坐卯，身与财俱旺；又得癸未食神，戊子印綬助之，宜乎巨富贵也。
如【戊子，丁巳，甲辰，丙寅】：此命甲日生于四月下旬，并透出丙丁火，生其月中之戊土；时又归禄于寅，故财旺矣！然甲木身亦旺。早年行戊午己未运，迤邐行辛酉运，乃见官星则凶；壬戌运有壬剋丙，伤官食神之中，失官去财，死丧合家；值五十九岁，入癸亥身旺运，稍可安逸；六十五岁，逢壬辰年死矣。初运伤官见财格，取戊土为财，所以戊午己未二运大旺生土，故财厚矣；及至庚申辛酉西方见官，故凡事费力；虽癸亥为甲木之印綬，然亦忌火冲水，亥中又有壬水。壬辰透出壬水，运中、命中元有之辰，死无疑矣！凡伤官见财格，忌见官星，只喜见财。大忌壬水剋火，则火不能生甲木之土财也。
Overall Interpretation
Proper Wealth is akin to a stable salary, representing the harmonious matching of Yang stems with Yin wealth and Yin stems with Yang wealth. It symbolizes resources under personal control (such as salary or savings), but requires the individual to be strong enough to bear them. If the body is weak while wealth is abundant, it is like a frail person facing treasures but lacking the strength to carry them, turning them into a burden instead. The core principles are:
1️⃣ Wealth values timeliness over quantity: Wealth Stars are best when they flourish in the Monthly Branch; excessive wealth requires a strong body to transform it into official opportunities.
2️⃣ Weak body fears abundant wealth: If the Day Master is weak and wealth is flourishing, it can lead to resource backlash (e.g., investment losses, health depletion).
3️⃣ Dynamic balance: Youthful misfortunes are not feared, as support in middle or old age can still lead to a rise; conversely, overexertion in prime years may result in hardship later.
4️⃣ Wealth is the root of conflict: Excessive wealth without restraint invites disputes and requires the tempering of Seal Ribbons or noble patterns.
Core Concepts 💡
Modern Interpretation 🌟
| Classical Concept | Contemporary Mapping | Key Risks |
|---|---|---|
| Weak body, abundant wealth | Income overload leading to subhealth 💼⚕️ | Overwork/investment mistakes |
| Timely wealth + strong body | Golden period of resource-capability alignment 🚀 | Seizing career advancement windows |
| Parental influence phase | Skill upgrade/mentorship stage 👨🏫 | Opportunity loss if growth is refused |
| Wealth flourishing begets officialdom | Capital accumulation driving career transformation 📈 | Blind expansion risks cash flow rupture |
Practical Value ⚡
graph LR
A[Assess personal energy state] --> B{Wealth Star strength}
B -->|Strong| C[Strong body → Proactive expansion]
B -->|Weak| D[Weak body → Defensive financial planning]
C --> E[20% resources for new ventures]
D --> F[50% in low-risk assets]
Philosophical Reflection 🤔
The path of Proper Wealth reveals the eternal conflict between resources and capacity:
🌱 Wealth is essentially a "medium of energy flow." Forcing it when weak is like a small boat carrying a cauldron—not that the cauldron is too heavy, but the boat is too small. True abundance begins with sober self-awareness and ends with dynamic balance between energy and ambition.
Linked Concepts
Further Reading
Modern Research
Case 1
Original chart: Xinchou, Dingyou, Dingsi, Dingwei
Case 2
Original chart: Gengshen, Yiyou, Bingshen, Bingshen
Case 3
Original chart: Yimao, Guiwei, Xinyou, Wuzi
Case 4
Original chart: Wuzi, Dingsi, Jiachen, Bingyin
⚠️ Note: All cases require dynamic analysis incorporating Luck Cycles and Yearly Pillars. Single-pillar judgments are for reference only. Modern applications must adjust models for variables like education and financial instruments.