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居货曰贾，行货曰商，总为资生之计? 蓍所以筮，龟所以卜，莫非就利之谋? 要问吉凶，但看财福? 财旺福兴，无问公私皆称意；财空福绝，不拘营运总违心? 有福无财，兄弟交重偏有望；有财无福，官爻发动亦堪求? 财福俱无，何异守株而待兔；父兄皆动，无殊缘木以求鱼? 月带财神，卦虽无而月中必有；日伤妻位，财虽旺而当日应无? 多财反复，必须墓库以收藏；无鬼分争，又怕交重而阻滞?
兄如太过，反不克财；身或兄临，必难求望? 财来就我终须易，我去寻财必是难? 身遇旺财，似取囊中之物；世持动弟，如捞水底之针? 福变财生，滚滚利源不竭；兄连鬼克，纷纷口舌难逃? 父化财，必辛勤而有得；财化鬼，防耗折而惊忧?
财局合福神，万倍利源可许；岁君逢劫煞，一年生意无聊? 世应二爻空合，虚约难凭；主人一位刑伤，往求不遇? 徒空持鬼，多因自己迟疑；日合动财，却被他人把住?
要知何日得财，不离生衰旺合? 欲决何时有利，但详春夏秋冬? 合伙不嫌兄弟，公门何虑官爻?
九流术士，偏宜鬼动生身；六畜血财，尤喜福兴持世? 世应同人，放债必然连本失；日月相合，开行定主有人投? 应落空亡，索债者失望；世遭刑克，赌博者必输? 鬼克身爻，商贩者必遭盗贼；间兴害世，置货者当虑牙人? 停拓者喜财安而鬼静；脱货者宜财动而身兴?
路有有官休出外，宅中有鬼勿居家? 内外无财伏又空，必然乏本；父兄有气财还绝，莫若安贫? 生计多端，占法不一，但能诚敬以祈求，自可预知其得失?
Overall Paraphrased Translation
Engaging in business and commerce is a vital means of livelihood, and whether one is a settled merchant or a traveling trader, capital turnover is indispensable. Using yarrow stalks and tortoise shells for divination is ultimately to explore the direction of profit. To understand the auspiciousness or inauspiciousness of seeking wealth, the key lies in observing the state of prosperity or decline of the Wealth Line (妻财爻) and the Blessing Line (子孙爻): when wealth is prosperous and blessings are flourishing, both public and private ventures proceed smoothly; when wealth is empty and blessings are severed, any operation will be contrary to one's wishes. Having a Blessing Line but no Wealth Line, if the Brother Line (兄弟爻) moves, there is hope for gaining wealth; having a Wealth Line but no Blessing Line, if the Officer Ghost Line (官鬼爻) moves, wealth can still be sought. If both Wealth and Blessing Lines are absent, it is like waiting by a stump for a hare—a futile effort; if both Parent (父母爻) and Brother Lines move together, it is akin to climbing a tree to catch fish—a waste of energy.
If the Monthly Pillar (月建) carries the Wealth God, even if the hexagram lacks a Wealth Line, there is opportunity within the month; if the Daily Pillar (日辰) overcomes the Wife/Wealth Line, even if wealth is prosperous, it will be difficult to obtain that day. An excessive number of Wealth Lines indicates repeated fluctuations, requiring storage in the Tomb (墓库) to achieve stability; lacking an Officer Ghost Line means no competition, but if the Officer Ghost Line moves, it will instead hinder the pursuit of wealth.
If the Brother Line is overly prosperous, it does not overcome wealth; if the Self Line (世爻) is adjacent to a Brother Line, seeking wealth will certainly be difficult. The Wealth Line generating the Self Line is like wealth coming to find me, as easy as turning over one's hand; the Self Line overcoming the Wealth Line is like me going to seek wealth, as difficult as ascending to heaven. The Self Line encountering a prosperous Wealth Line is as effortless as taking something from a bag; the Self Line holding a moving Brother Line is as arduous as fishing for a needle from the bottom of water. The Blessing Line transforming into a Wealth Line that generates the Self Line signifies an unceasing flow of profit; the Brother Line connecting with the Officer Ghost Line to overcome the Self Line indicates constant disputes and troubles. The Parent Line transforming into a Wealth Line means gains will come only through diligent labor; the Wealth Line transforming into an Officer Ghost Line warns of losses, financial depletion, and unexpected shocks or worries.
If the Wealth formation (财局) combines with the Blessing God, profits can multiply ten-thousandfold; encountering the Robbery Evil (劫煞) in the Year Pillar (太岁) indicates sluggish business throughout the year. If both the Self and Response (应爻) Lines are empty and combine, contracts and agreements are illusory and unreliable; if the Response Line suffers punishment or injury, going to seek an audience will certainly be in vain. The Self Line being empty and holding an Officer Ghost Line often means missing opportunities due to one's own hesitation; the Daily Pillar combining with a moving Wealth Line foretells assets being controlled by others.
To know when wealth will be obtained, one must observe the relationships of generation, prosperity, decline, and combination; to determine when it will be advantageous, one must carefully deduce the four seasons of spring, summer, autumn, and winter. In partnership ventures, do not fear the movement of the Brother Line; in seeking wealth through public office, do not worry about the flourishing of the Officer Ghost Line. For the nine schools of practitioners (九流术士) seeking wealth, it is instead favorable for the Officer Ghost Line to generate the Self Line; for profiting from the six domestic animals (六畜) industry, it is most auspicious for the Blessing Line to be held by the Self Line. If both the Self and Response Lines are Brother Lines, lending money will likely result in loss of both principal and interest; if the Sun and Moon Pillars combine, opening a shop will certainly attract customers. If the Response Line is empty, debt collectors will return disappointed; if the Self Line suffers punishment or overcoming, gamblers will certainly lose money. The Officer Ghost Line overcoming the Self Line warns merchants of encountering thieves; the intervening lines (间爻) harming the Self Line cautions purchasers to guard against fraud by intermediaries. Those hoarding goods benefit from quiet Wealth Lines and peaceful Officer Ghost Lines; those selling off goods profit from moving Wealth Lines and an active Self Line.
If the hexagram contains an Officer Ghost Line, it is inadvisable to travel far; if the dwelling hexagram (宅爻) contains a Ghost Line, do not stay at home. If both the inner and outer trigrams lack Wealth Lines and they are hidden or empty, one certainly lacks capital; if the Parent and Brother Lines have energy but the Wealth Line is extinct, it is better to remain content in poverty. Means of livelihood vary greatly, and divination methods are also diverse, but as long as one inquires with sincerity and reverence, one can foresee the gains and losses, success and failure in seeking wealth.
The core of divination for seeking wealth lies in the interactive relationship between the Wealth Line (representing capital and profit) and the Blessing Line (representing customer base and channels). This must be combined with the balancing dynamic between the Self Line (the inquirer) and the Officer Ghost (risks and obstacles) and Brother (competition and expenditure) Lines to form a dynamic judgment system.
The essence of seeking wealth is a game of matching resources with time and space. Hexagrams reveal trends and probabilities, not fixed destinies, emphasizing the coupling of favorable timing, geographical advantage, and human harmony. If Wealth and Blessing are not flourishing, it suggests the need to cultivate internal strength or switch tracks, rather than强行逆势操作 (forcing operations against the trend).
Associated Concepts:
Further Reading:
Modern Research:
Taiwanese scholar Chen Yi-kui proposed the "Hexagram Image Economics" theory, transforming the Six Kinships (六亲) relationships into a modern business要素模型 (factor model), verifying the correlation between the Wealth Line and GDP growth cycles.
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