Guides

Debt Recovery lays out five positions: how heavy your debt is, where it came from, what slows repayment, which resources you can tap, and the clearest payoff path. For anyone buried under cards, loans, and monthly bills.

Financial Planning lays out eight positions: your current footing, the year's main income, fixed costs, savings and emergency funds, investing, risks, the key turning point, and the final blueprint. For anyone budgeting a new year or planning family finances.

Investment Decision breaks down any bet: what it really is, its return, its risk, whether you can afford the loss, timing, and an honest final call. For anyone hesitating before putting money in.

Money Flow lays out seven positions: where money enters, where it leaks, which hidden costs drain your balance, what you keep, and your financial blind spots. For anyone tired of running out of money.

Wealth Attraction maps your income path in five positions: where money now comes from, what holds you back, which skills you underuse, which new channel to open, and where to move first.

Windfall lays out five positions: where unexpected money may surface, when the window opens, what traps hide inside, whether you can catch it, and how to turn the chance into cash. For anyone chasing bonuses, side income, or surprise gains.

The year's branch combines, clashes, punishes, or harms the natal chart and Grand Fortune — events fire. Combinations bind, clashes change, punishments erode, harms stir disputes.

How to tell if an annual fortune year is good or bad? Watch what the year's stem and branch do to your favorable and unfavorable gods, then map it to career, wealth, love, and health.

Da Yun sets the decade's tone, Liu Nian sets the year's events. Combining them stacks good and bad to read the net result — how matched and mixed pairs resolve, and when to push or hold.

When does a predicted event happen? Response timing: the chart sets direction, the Grand Fortune sets the environment, the year locks the trigger, and the month and day pin the date.

A ten-year Da Yun doesn't move evenly: about three years to start, four to mature, three to wind down. Learn each phase's rhythm — build early, push in the middle, hold late — and which years to advance or hold.

Wood is green, Fire is red, Earth is yellow, Metal is white, Water is black. Use your favorable god's color in clothing and home to gently balance a missing or excess element.

Each direction carries an element: east is Wood, south Fire, west Metal, north Water, center Earth. Place your desk, bed, and workspace in your favorable god's direction.

He Tu and Luo Shu tie numbers to the elements: 1-6 water, 2-7 fire, 3-8 wood, 4-9 metal, 5-10 earth. Learn the He Tu pairs and Luo Shu nine palaces, then use them for number-picking, naming, and date selection.

Each season has an element in command: spring is Wood, summer Fire, autumn Metal, winter Water, and Earth rules the last eighteen days. Align your rhythm, diet, and work with the season.

Strength imbalance reverses generation and restraint: strong elements back-control their controllers, and mother-child pairs fall out of balance. Learn the reverse-control rules and how to fix them.

Earth overcomes water: overthinking, seesaw finances, spleen and kidney trouble. Metal mediates - earth feeds metal, metal feeds water; damming becomes a source. The cycle, the roots metal needs, and its effect on career, love, personality, health.

Fire overcomes metal: short temper, legal troubles, heart and lung hurt. Earth mediates - fire feeds earth, earth feeds metal; melting becomes forging. The cycle, the conditions earth needs, and its effect on career, love, personality, health.

Water overcomes fire: heart-kidney disharmony, mood swings, career seesaw. Wood mediates - water feeds wood, wood feeds fire. The cycle, the roots wood needs, and its effect on career, love, personality, health.

Xinpai's method for missing Six-Relative stars. A chart holds eight characters but ten gods, so some relative stars are always absent. Find a substitute by the produce-control chain, then read its strength.