Wealth · The element you control
Indirect Wealth in BaziMeaning, personality, pillars and the years it rules
Updated October 15, 2026
Indirect Wealth (偏財, Pian Cai) is the ten god of the element your Day Master controls, with the same yin or yang. It is money that moves: opportunities, deals, windfalls and the generous, sociable streak that knows how to spot a chance and share it.
Find your Indirect Wealth
Enter your birth date. We find your Day Master and the stem that is your Indirect Wealth.
Quick facts
- Characters
- 偏財 piān cái
- Group
- Wealth
- Formula
- The element you control, same yin/yang
- Also called
- One of the Wealth stars; 'public money' in the classics
- Paired with
- Direct Wealth
- Family (men)
- Father, lovers
- Family (women)
- Father, mother-in-law
- Keywords
- Generous, sociable, quick, easygoing
- Structure
- Indirect Wealth structure (偏財格)
- In short
- Opportunity, generosity and wealth that moves.
Indirect Wealth personality: strengths and shadow side
Strengths
- Generous and sociable
- Spots opportunities fast
- Good with people and deals
- Relaxed about money
Shadow side
- Spends as fast as it earns
- Spreads itself thin
- Restless in love
- Overconfident with risk
Opportunity is your talent; keeping some of it is the skill.
Which stem is your Indirect Wealth?
Indirect Wealth depends on your Day Master. Find yours in the first column to see the stem that is your Indirect Wealth, the branches where it is rooted, and the next year it rules.
- Your Day Master甲Jia WoodIndirect Wealth stem戊WùRooted in辰戌寅巳申Next year2028戊申
- Your Day Master乙Yi WoodIndirect Wealth stem己JǐRooted in丑未午Next year2029己酉
- Your Day Master丙Bing FireIndirect Wealth stemGēngRooted in巳Next year2030庚戌
- Your Day Master丁Ding FireIndirect Wealth stemXīnRooted in丑戌Next year2031辛亥
- Your Day Master戊Wu EarthIndirect Wealth stem壬RénRooted in亥申Next year2032壬子
- Your Day Master己Ji EarthIndirect Wealth stem癸GuǐRooted in子丑辰Next year2033癸丑
- Your Day MasterGeng MetalIndirect Wealth stem甲JiǎRooted in寅亥Next year2034甲寅
- Your Day MasterXin MetalIndirect Wealth stem乙YǐRooted in卯辰未Next year2035乙卯
- Your Day Master壬Ren WaterIndirect Wealth stem丙BǐngRooted in巳寅Next year2036丙辰
- Your Day Master癸Gui WaterIndirect Wealth stem丁DīngRooted in午未戌Next year2027丁未
A Bazi year starts at the Start of Spring (立春), around 4 February.
Want your whole ten gods picture?Enter your birth date and time in the ten gods calculator: stem and hidden-stem gods for every pillar, your mix and your structure, all at once.Ten gods calculatorIndirect Wealth in the year, month, day and hour pillars
Tap a pillar to see what Indirect Wealth means there. The month pillar weighs most.
Year · Indirect Wealth
About 1–16Ancestors, parents, childhood home
Indirect Wealth in the year pillar often points to a family in business or with a wide network, and an influential father; you had a feel for money and deals from childhood.
Month · Indirect Wealth
About 17–32Parents and siblings, career, society
Indirect Wealth in the month pillar brings plenty of opportunity: business, sales, investment and trade, with several income streams. As a useful god contacts and money both flow; as an unfavorable one, watch speculation and cash-flow gaps.
Day · Indirect Wealth
About 33–48The day stem is you; the day branch is the spouse palace
Indirect Wealth in the day branch gives a man a lively, sociable partner, though temptation needs watching; it also shows an easygoing self that enjoys spending.
Hour · Indirect Wealth
From about 49Children, juniors, later life
Indirect Wealth in the hour pillar keeps income opportunities coming in later life, through children or investments, sometimes as windfalls. Keep spending within income and avoid late-life speculation.
Indirect Wealth in career, money, love and family
Career
Indirect Wealth suits trade, sales, investment, entrepreneurship, events and any business built on relationships and timing. It likes variety and freedom, and it does better with several income streams than with one fixed salary.
Money
Wealth comes in bursts: commissions, bonuses, side ventures and luck. The classics call it "public" money: easy come, easy go. Keeping a share of every windfall is the habit that turns it into lasting wealth.
Love
Charming and generous with attention, sometimes with too many people at once. For a man's chart it is the classic star of romance outside marriage, so clarity and honesty keep it a gift rather than a mess.
Family and people
Traditionally Indirect Wealth stands for your father, and in a man's chart also for romantic partners other than the wife.
Indirect Wealth in a man's chart and a woman's chart
Men
In a man's chart Indirect Wealth is the father, romance outside marriage and big, moving money. Men with strong Indirect Wealth are generous, sociable and enterprising; faithfulness in love and discipline with money keep it a gift.
Women
In a woman's chart Indirect Wealth is the father and the mother-in-law, and her own business sense. Women with strong Indirect Wealth are capable and generous, suited to trade or managing resources.
When Indirect Wealth helps, and when it hurts
Helps when
Indirect Wealth helps when the Day Master is strong enough to hold it: a strong self with flowing Wealth is read as a natural business talent.
Hurts when
With a weak Day Master, more Wealth than you can carry (財多身弱) brings stress, debts or chances you can't keep. Rob Wealth nearby can also steal it.
How to balance an unfavorable Indirect Wealth
When Indirect Wealth is unfavorable, first strengthen the Day Master with Peers or Resource, then run money by rules: a fixed savings rate, no high leverage, no casual loans. In love, honesty and clarity prevent most of its trouble.
Too much Indirect Wealth, or none at all
Too much Indirect Wealth
Too much Indirect Wealth with a weak Day Master is 'much wealth, weak self': chances you see but can't hold, money that comes and goes, and worries through father, lovers or gambling. Strengthen the self with Peers or Resource first.
No Indirect Wealth in the chart
With no Indirect Wealth your earning style is cautious, windfalls and investment luck are modest, and ties with your father may be thinner. Build on Direct Wealth (steady income) first and add side ventures in Wealth luck pillars and years.
Indirect Wealth with the other nine gods
Ten gods work in pairs. Here is how Indirect Wealth relates to each of the others, with the combinations the classics name.
- FriendFriend controls Indirect WealthPeers seize the Wealth (比劫奪財) — Many Friend and Rob Wealth stars with weak Wealth: money and partners are taken by others. Output eases it.
- Rob WealthRob Wealth controls Indirect WealthPeers seize the Wealth (比劫奪財) — Many Friend and Rob Wealth stars with weak Wealth: money and partners are taken by others. Output eases it.
- Eating GodEating God produces Indirect WealthOutput produces Wealth (食傷生財) — Eating God or Hurting Officer feeding Wealth: talent and skill turned into income.
- Hurting OfficerHurting Officer produces Indirect WealthOutput produces Wealth (食傷生財) — Eating God or Hurting Officer feeding Wealth: talent and skill turned into income.
- Direct WealthSame familyBoth Wealth stars together mean many income streams, if the Day Master is strong enough.
- Seven KillingsIndirect Wealth produces Seven KillingsWealth produces Officer: money supports status, and invites pressure.
- Direct OfficerIndirect Wealth produces Direct OfficerWealth produces Officer: money supports status, and invites pressure.
- Indirect ResourceIndirect Wealth controls Indirect ResourceWealth breaks the seal (財星壞印) — Wealth strikes Resource: study or reputation sacrificed for money, 'greed for wealth breaks the seal'.
- Direct ResourceIndirect Wealth controls Direct ResourceWealth breaks the seal (財星壞印) — Wealth strikes Resource: study or reputation sacrificed for money, 'greed for wealth breaks the seal'.
What is the Indirect Wealth structure (偏財格)?
The Indirect Wealth structure (偏財格, Pian Cai Ge) forms when Indirect Wealth leads the month branch. It is a good structure when the Day Master is strong enough: generous, enterprising and rich in contacts, and best protected from Rob Wealth.
About the Indirect Wealth structure (偏財格)In the classics
財多身弱
Cai Duo Shen Ruo, "much wealth, weak self": the classics compare it to a poor man in a rich house, surrounded by wealth he cannot hold. The remedy is Friend, Rob Wealth or Resource to strengthen the self first.
A Indirect Wealth year or luck pillar
An Indirect Wealth year opens doors: deals, side income, travel and new connections, sometimes a windfall. It rewards initiative; make sure your energy and finances can carry what you take on.
Indirect Wealth: common questions
Classical sources
The definitions and combinations on this page follow these classics of Zi Ping astrology, rewritten in plain language.
- 01《淵海子平》Compiled by Xu Sheng (Song dynasty); the earliest systematic reading of the ten gods and family relations from the Day Master.
- 02《子平真詮》By Shen Xiaozhan (Qing dynasty); takes the structure from the month branch and explains using the ten gods directly or by restraint.
- 03《三命通會》Compiled by Wan Minying (Ming dynasty); the great compendium of ten gods, structures and symbolic stars.
- 04《滴天髓》On the character of the stems and the momentum of the elements; best known through Ren Tieqiao's commentary.
All ten gods
- Friend
- Rob Wealth
- Eating God
- Hurting Officer
- Indirect Wealth
- Direct Wealth
- Seven Killings
- Direct Officer
- Indirect Resource
- Direct Resource
See the ten gods in your own chart
The calculator labels every stem and hidden stem in your chart with its ten god, and shows how strong your Day Master is.
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