"Hey Melvin, is it possible for me to know how I manage my finance from the Bazi?" This is the question that is I frequently received. Today I would like to answer this question based on Bazi's perspective.
To understand your financial management style, first you to identify DW (Direct Wealth) and IW (Indirect Wealth) in your chart. If DW & IW did not appear in your chart, please be steady. It just means that money is not the priority in your life (we will talk about it separately).
DW refers to a person who will spend their money cautiously and conservatively. He/she will always evaluate the features of an item/a product/ a service before making any final decision. The typical action you will see this person do is make a comparison at different places, justify the reason why you need to purchase. DW is also mean that a person is principled. Hence, he will reject the product/service 100% if he/she has an unpleasant experience. You will seldom see a person who has a lot of DW in the chart who will purchase a share in the stock market. The instrument that they prefer will be Fixed Deposit, EPF, and Bonds.
On the other way, IW refers to a person like to take risks and opportunistic for money-making. They just spend the money with less time to consider because they feel it is necessary, and it brings value to himself/herself. Eventually, they release they buy a lot of unnecessary when they perform spring cleaning during the festive season. Besides, they are the one who has a high tendency to come out to work on their own. You will also see them purchase a share in the stock market, Bitcoin, Future Trading, Forex exchange, etc. They also are the ones who look into unconventional assets such as watch collection, stamp collection, wine investing, etc.
What if "DW" & "IW" both are appearing in your chart? It means that you have self-conflict when you are making a decision to purchase something. You will have a lot of self-talk, internal conflict when you come to spending money, and you will try ways to justify when investing a high-risk share, for example.
Your experience, education, the person you surrounding with, and the environment will also change the way you make a decision. Even your chart has a lot of IW, but if you are with those people who are really conservative, eventually, the character of IW might not carry out. So please evaluate your condition, too, when you put this theory into your chart.