Direct Wealth (Zheng Cai, 正财)

What the classic Yuan Hai Zi Ping (渊海子平) says

Its section On Direct Wealth (论正财), whole.

What is Direct Wealth (正财)? It is like the sense of Direct Officer (正官): yin meeting yang wealth, yang meeting yin wealth. Broadly, Direct Wealth is my wife's wealth. Another person brings their property to serve me, and I must be sound in spirit and strong before I can enjoy the use of it; if I am slack and unable to rouse myself, then however thick the wealth, I can only look at it — not a hair of it will ever be of use to me. So Wealth (财) wants to have its season; it does not want to be much. If Wealth is much, then the day stem itself must have force enough to carry it, and it should be turned into an officer. A single qi in the heavenly source, thin and weak, is poor and hard to remedy. This is why it delights in a strong self and does not want to run toward ground that controls it — what controls it is the officer-ghost (官鬼). What is also feared is a month command that is the self's own ground of decline and illness, with no parent in the pillars to produce the self; then Wealth is welcomed instead, and with Wealth present as well it is called too much wealth (财多). Where the strength cannot bear the wealth, a hundred troubles come out. Even a youth passing through resting ground finds things do not go as wished and matters pile one on another. But if in middle or late life the parent's ground comes round again, or a trine that can help the self, then it rises suddenly and cannot be held back. And if a youth rides strength while old age is out of the frame, it is not only a hard road and distress but quarrels breaking out with it. For Wealth is the beginning of contention. If the four pillars produce one another, and there is some honoured pattern besides, and no the Void (空亡); and the fortune runs to strength, with a trine producing Wealth — all of these are honoured charts. How deep the blessing goes follows the weight of the pattern entered. Wealth in quantity produces an officer, and for that the self must be sound. Much Wealth leaks the qi, the self is soft to begin with, and if the year or period injures the Wealth as well, a strange misfortune certainly comes; carrying a punishment together with Seven Killings (七杀), the ill of it is past speaking. It is also said: Direct Wealth welcomes a strong self and Direct Resource (印綬), and dislikes the officer star, dislikes the Overturned Meal (倒食), dislikes a weak self, and dislikes Friend (比肩) and Rob Wealth (劫财). The officer star must not be seen, for fear it steals the Wealth's qi; Direct Resource is welcome because it can produce a weak day master. For a Yang Wood (甲) day using Yin Earth (己) as Direct Wealth: if the self is weak, the misfortune arrives at once. Anyone whose chart is born under Wealth will come out of a rich house; if not adopted, then born to a secondary mother, or else clashing the parents. A strong self with no Rob Wealth and no officer star is the fine case. If the chart has an officer star on suitable ground, then a fortune welcoming much Wealth to produce that officer is good. And with the Wealth star on suitable ground as well, the fortune should not meet the officer star, for fear of controlling the self — the fear is a weak self. Broadly, Wealth whether indirect (偏) or direct (正) both welcome Direct Resource, and blessing can certainly come out. Take [Metal Ox, Fire Rooster, Fire Snake, Fire Goat (辛丑 丁酉 丁巳 丁未)]: a Yin Fire (丁) day seated on the ground of its Wealth, with a Snake-Rooster-Ox (巳酉丑) Metal frame besides, so Wealth is strong. Metal has the Wood store at Goat (未) and can produce the Yin Fire, so the self is strong enough to carry its wealth; running the fortune south and east, great wealth was to be expected. Yin Fire uses Yang Water (壬) as officer and Yang Metal (庚) as Wealth to produce that Yang Water; the self entering strong ground, blessing must come out. Where Wealth is used, not meeting the officer star is the fine case. Take [Metal Monkey, Wood Rooster, Fire Monkey, Fire Monkey (庚申 乙酉 丙申 丙申)]: a Yang Fire (丙) day meeting three Monkey (申) as Wealth — is that not fine? Yang Fire uses Yin Water (癸) as officer and Yin Metal (辛) as Wealth, and three Monkey with one Rooster (酉) make the Wealth strong. But the day is weak: Fire is ill at Monkey and dead at Rooster, so there is no qi in it, and running the fortune west into Metal the self grows far too weak. Strong Wealth producing the ghost (鬼) breaks and controls the self, so it cannot carry its own wealth — hence poverty. Take [Wood Rabbit, Water Goat, Metal Rooster, Earth Rat (乙卯 癸未 辛酉 戊子)]: a Yin Metal day seated on Rooster and a Yin Wood (乙) year seated on Rabbit (卯), self and Wealth both strong; with a Water Goat (癸未) Eating God (食神) and an Earth Rat (戊子) Direct Resource to help, great wealth and rank were to be expected. Take [Earth Rat, Fire Snake, Wood Dragon, Fire Tiger (戊子 丁巳 甲辰 丙寅)]: a Yang Wood day born in the last third of the fourth month, with Yang Fire and Yin Fire showing and producing the Yang Earth (戊) of that month; the hour returns to its prosperity star (禄) at Tiger (寅), so Wealth is strong — and the Yang Wood self is strong too. Early years ran Earth Horse (戊午) and Earth Goat (己未), then on into Metal Rooster (辛酉), where meeting the officer star was ill; in the Water Dog (壬戌) period a Yang Water controlled the Yang Fire, and in the midst of Hurting Officer (伤官) and Eating God he lost office and lost wealth, and the whole household died. At fifty-nine he entered the Water Pig (癸亥) period, strength for the self, and had a little ease; at sixty-five, in a Water Dragon (壬辰) year, he died. The early fortune made a Hurting Officer meeting Wealth (伤官见财) pattern taking Yang Earth as the Wealth, so the Earth Horse and Earth Goat periods, greatly strengthening and producing Earth, made the wealth thick; by Metal Monkey (庚申) and Metal Rooster in the west, meeting the officer, everything took effort. Water Pig is Yang Wood's Direct Resource, yet Fire clashing Water is still disliked, and Pig (亥) holds a Yang Water as well; a Water Dragon showing that Yang Water, with the Dragon (辰) already in both period and chart, left no doubt of death. In any Hurting Officer meeting Wealth pattern, meeting the officer star is disliked and only Wealth is welcome. What is most disliked is Yang Water controlling the Fire, for then the Fire cannot produce the Earth that is Yang Wood's wealth.

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。