求財篇 — Wealth Strategy (盲派求財三部)
The course turns the chart into an investment-and-earning strategy in three moves: decide which wealth is worth pursuing, weigh whether the chart can actually hold it, and read the luck cycle that decides when to attack and when to defend. The founding rule sits above all of it: 「永遠不要賠錢；永遠要記住第一條的原則」 — never lose money.
Which Wealth to Pursue 該求哪份財
Built directly on 財的歸宿 (see the core module), the strategy ranks wealth by ownership through a four-part formula:
- 財 mine, at home — lightly obtained, controllable, low-risk: 「我們最適合去拿的錢財呢，就是我們家裡的那份錢財」 — pursue it.
- 財 another's, parked at home — takeable, but must be divided.
- 財 mine, sent outside — others compete for it.
- 財 another's, outside — not mine; pursue only with great caution, disputes likely (private wealth → financial dispute; state/public wealth → prison and nothing gained).
The doing-method matters as much as the target: 比劫/克財 is direct, physical taking; 食傷生財 is skill, speech, and business method. If the transit attacks the method (印 breaking 食傷, a clash breaking the 克 tool), the investment fails even when the wealth is real. The governing line: 「財是你的就是你的，你要保證你能夠拿住這份財，你就不會虧錢」 — own wealth waits for its 運 and comes easily; outside wealth exhausts and loses.
Can You Hold It? Body–Use Balance 體用平衡
Earning is defined as 「算用你的體得到財和官的過程」 — the process of using the 體 (印/食傷/比/祿, one's ability) to obtain the 用 (財官, the objective). The capacity formula:
- 能力 > 財官 — can do it now.
- 能力 = 財官 + 機會 — can do it if a 大運/流年 supplies the missing side.
- 能力 < 財官 — failure, or early gain followed by loss (the chart cannot carry the wealth it briefly attracts).
The remedy is matched to the deficiency: a weak body using 印 (化官生印 / 傷官配印) both raises the 體 and lowers the 財官 pressure; a strong body using 食傷 sustains 食傷生財 or 食神制殺; 比劫 must be balanced, since 比劫制財 / 陽刃制殺 against over-strong 財官 is counter-control and brings loss. When 財官 are strong and the 體 weak, the discipline is to wait for the 運 that strengthens the body rather than force the opportunity.
Luck Cycles Decide the Market 大運定乾坤
The 大運 sets the strategic weather: 「壞的大運再好的流年只是誘惑，不能投資，投多少敗多少」 — in a bad decade even a good year is only bait, while in a good decade one may act boldly through a temporarily poor year. The course tabulates the dangerous wealth-cycles — 劫財見財 (loss, divorce, risky startup), 傷官見官 (disputes, illegal acts), 財破印 (on a weak 用印 chart: instability, income trouble), 梟神奪食 (loss, being out-skilled, swindled), 官殺混雜 (compounding trouble, especially weak-body) — each reversible only when the natal chart genuinely needed that element. The favourable wealth-cycles: 食傷生財 (freedom, startup, monetised skill), 印梟化官殺 (patrons), 比劫生食傷 (friends and clients feeding the work), 食傷旺制殺 (solving hard problems for pay). In a bad cycle the prescription is defence plus 心態 adjustment (食神 as cheerful problem-solving) and study (印, 化殺為用) — and where a loss-symbol is unavoidable, a deliberate 「破財」 such as donation to discharge it.
The Five-Check Wealth Read 求財五審
The capstone protocol pulls the three lessons together: read (1) 大運 fortune, (2) 財官歸宿 (whose wealth, by the four-part formula), (3) 體用平衡 (can the body hold it), (4) 破局 (is the earning method broken by clash/combination), and (5) deliberate loss-mitigation where a 破財 symbol cannot be avoided. Run together, they convert a chart into a concrete posture — attack, hold, or defend — for each decade and year, with the never-lose-money rule as the floor. (Source: 为心易学 盲派八字課程 第五十四至五十六課 — 求財篇 「求財策略」、「能力篇/投資策略」、「大運定乾坤」)