Wealth - Storage - Hoard - Collection - Bank

Material wealth, acquisitions of lineage values, accumulation of natural resources, sensual permission, retained income, store-holds, silos, storage lockers, banks, gainfulness, food, knowledge of languages and history, recorded-and-stored materials, abundance of material supplies, well-being through a reliable source of nourishment, collections of valuable items such as metals, musical recordings, art objects etc., pleasure derived from hoards

Vasudhara - Buddha of Wealth

Sample Wealth Charts

"Moderation is a fatal thing. Nothing succeeds like excess." ~~ Oscar Wilde

"Success is not to be measured by how much material wealth is possessed, but whether you are able to create at will what you need."

~~ Paramahamsa Yogananda

"Like a tree laden with ripe fruits bends naturally, so do gentle people display all the more humility when blessed with abundance. "

~~ Bhartrihari's Nitishatakam 71

"Generally it is the rich who have a strong desire for riches. "~~ Bhojacharitra, 60

In Jyotisha, there are four main wealth houses:

Shukra = "Gathering", Luxury

In Jyotisha, the karaka for a topic should be examined before evaluating the smaller details such as yoga, house lordship etc..

As the karaka of for accumulated wealth, Shukra is very influential in matters of money and sensual luxury. Shukra's condition can over-determine the level of savings, gambling wins, and marketplace income within the nativity. The only source of wealth that Shukra does not affect, because it is not held or stored, is the wealth which one may attract in support of humanistic, religious, and philosophical projects (see domain-9, below).

• Mangala = the Hunter.

• Shukra = the Gatherer.

Shukra = a magnet that attracts sensual pleasures and yokes the source of those pleasures into a contractual balance. The magnetically attractive powers of a strong Shukra can trump any number of anti-wealth yogas. The strongest positions of Shukra are generally the uchcha Shukra, neechcha bhanga Shukra, and the Shukra-specific Malavya Yoga.

And the converse is also true: a weak or compromised position of the daityaguru generally points to a low-functioning pleasure magnet that implies non-hoarding or even anti-hoarding behavior. 

Empowered Shukra is a highly reliable indicator of energized acquisitiveness, which is much enhanced through the agency of partnership. For males Shukra additionally indicates the beauty of the wife or partner; for females Shukra is a better indicator of her own entitlement to validation for her beauty, her grace, her artistic sensibilities, and her ability to attract wealth.

Disempowered Shukra indicates an inability or an unwillingness to gather. When the gathering karaka is not energized, the native lacks an impetus to collect and store the excess material resources that make one "rich".

• For example, the nativity of former USA President and worldwide social justice activist Jimmy Carter features a number of fine dhana yogas. Indeed, Mr. Carter and his family have everything they need to enjoy life, and to dress appropriately for the state dinners required for his work. Mr. Carter is a very prominent and well-networked person, who has no doubt encountered many opportunities to gain personal wealth.

• Yet Mr. Carter's lifestyle does not include conspicuous consumption, and his personal property equates to the American middle class average. Shukra = "double L-8" for Carter's double Thula nativity, and Shukra-11 = weak in enemy's rashi Simha while Shukra's lord Surya is also weak in 12.

Yogas indicating material Wealth:

According to Shri B. V. Raman in 300 Important Combinations, material wealth derives from two sets of yogas: ;

1. Any yoga involving domain-5 + domain-9 will bring good fortune through expressions of genius intelligence (5)  and  wisdom understanding of the interactions between human  and  divine (9)

2. Any yoga involving domain-2 + domain-11 will bring family lineage hoards of knowledge  and  money (2) and personal gainfulness via friendly association in the marketplace (11)

Wealth from Domains 2, 5, 9, and 11

• Domain-2 Shukra= the storage-house for all "Skandha" or "heaps" of accumulation over the course of multiple cycles of incarnations. Domain-2 = one's hoard of values = "history".

  • A primary basis of wealth is land ownership. 11th-from-4th = collected wealth gained (11) from the basis (lagna) of lands and buildings (4). (see more on domain-4, below)

  • Typically profits from matters of 4 =lands and licensing = result in domain-2 as "family money" which accrues over the generations via rents and increase of "property values"  e.g. "capital gains" which result from the sale of real-estate.

• Domain-5 Surya= Divine Light = intelligence = "genus" 4th-from-2nd. 

  • 11th-from-7th = gains from partnership = generates wealth manifest in the form of children. Basis of wealth = genetics (reproduction); basis of wealth = genius (speculation).

  • Profits from the basis of children, from spectacles (entertainments) and speculation ("spec" = see, light), from intelligence, from games and gambling. Gambling occurs across the gamut of social classes = stock market, "venture capitalism", casino slot machines, street craps, and everything in between. Wealth manifest via putra bhava = highly enjoyable.

• Domain-9 Guru = dharma bhava = the strongest of all wealth houses being both 11th-from-11th and 5th-from-5th. Natives with power in domain-9 are typically members of the priesthood of world guides who are not in public view. They have access to massive resources.

  • The typical nativity with inordinate strength in domain-9 will be a religious figure who is able to attract spectacular amounts of funding. However the native rarely owns personal property. Often one wears the inexpensive robes of the avowed religious and has no concern for personal wealth whatsoever.

  • The wealth generated via domain-9 is nearly always targeted to the development of higher intelligence and philosophical religion (5th-from-5th). Wealth from 9  tends to resource temples, spiritual centers, universities, and world-healing ventures.

  • Wealth = well-being. Guru = more of everything. The native with strength in 9 is exceptionally blessed with abundant well-being. However Guru is the enemy of Shukra and thus Guru does not support Shukra's agency for personal luxury (Laxmi). If the native enjoys personal luxury it either comes from another lagna or it is a value-neutral appendage of the central 9 activities, i.e. the native may be carried in luxury vehicles or sleep in swank hotels, but this sensual experience is arranged by the handlers (3) and not any preference or goal of the native.

• Domain-11 Shani = labha bhava = the primary repository of earnings from the totality of the life force actions.

  • 5th-from-7th = speculative, gaming, or entertainment intelligence of the partner. Strong graha here show gains from the genius of the partner. For example, Mrs. J.K. Onassis enjoys a super-strong L-7 Mangala in 11, which represents her gains via the political genius of her husband.

  •  from public leadership (2nd-from-10th), marketplace earnings gained through actions in the assembly ( Also = 12th-from-12th = "loss of loss" = gain.

• Sanjay Rath suggests that the major source of one's wealth is the eleventh from Arudha Lagna.

Wealth from other domains (3, 4, 6, 8)

• Domain-3 = on the principle of bhavat bhavam = "2nd-from-2nd" = compounded, self-developed wealth. The native takes stored wealth (2) and performs one further iteration with the capital, which is to develop it via commercial business. It is the narrative emerging from the native's own mentality (3) which energizes the new manifestation of wealth from activities of busy-ness (business).

  • In order for sahaja bhava to produce wealth, its basis domain-2 must be strong. I.e., the native must have access to capital with which to develop the commerce.  When domain-3 is much stronger than domain-2 but domain-2 is not damaged, the native's largest wealth comes not directly from one's own family but rather through one's own personal commercial enterprise. Domain-3 is strong in the nativities of entrepreneurs.

• domain-4 = is not a primary wealth bhava per se. However see domain-2 above. Owned properties (Gk. propos = "my own, mine") constitute the basis of most wealth because domain-2 = 11th from-2nd. Bandhu bhava "bondage, bonding" = roots. Owned properties acquire value after they become commodities in the marketplace (11). 

  • Portfolio of domain-4 = land ownership  and  real property such as buildings  and  fields, as well as vehicles. Domain-4 also represent one's schooling in cultural customs.

  • The fruits (11) of schooling are placed in the 11th-from-4th = dhana bhava. Therefore the core cultural education of 4 (not the higher philosophical education of 9) . Should the native not be born into a family of real property owners, there is another aspect of the 4th house available to constitute the foundation (4) of wealth, and that is education.

  • Example: The fashion designer Emilio Pucci hailed from an aristocratic Italian family whose fortunes were based entirely on medieval contracts to nobility which gave them ownership of agricultural lands. After the unification of Italy and a new taxation system

• domain-6 = 5th-from-2nd (speculative development of existing capital) and 2nd-from-5th (accumulation as result of intelligence) can be a wealth house. Wealth will be the result of financial transactions featuring the skillful use of debt, e.g., taking loans.

• domain-8 = "other people's hidden money" will sometimes produce a huge inheritance or alimony settlement.

Domains which harm wealth:

• domain-10 = 12th-from-11th Leadership duties drain the energy out of marketplace profitability by replacing the native's social associations with tightly structured public duties. Leaders have very little free time. Periods of L-10 are usually income-losers as one is not free to build new connections and many of the old connections are lost. [Exception: being 11th-from-12th, domain-10 can occasionally produce gains from dealings in foreign lands. Depends on the nativity.]

• domain-8 can produce windfalls -- but also, catastrophic losses. L-8 brings inheritance when in occupation of domain-4, but at the cost of the parents' health. Also L-8 in domain-5 may bring great material wealth, but often at the cost of infertility. L-8 in domain-9 similarly indicates early death of the parents, but some inheritance through them. Depends on overall nativity.

Neutral to wealth:

• domain-7 = 9th-from-11th The partnering initiative of domain-7 generally enhances the social networking which builds wealth, But it also drains off the family capital through outcome of values conflicts from partnering with outsiders, being 6th-from-2nd.

• domain-12 = 2nd-from-11th can produce tremendous capital, but the capital is stored in astral or imaginative form  and  not much useful on the material plane. This capital is not money but vision, imagination, intuition, and knowledge of life after death. Very valuable capital indeed but does not manifest as material wealth.

"One tenth of our income should be given to charity. The rest should be divided into three parts: one for increasing our wealth, second for dharma and the third for one's own consumption. " ~~ Shiva Purana. Vidyeshvarasamhita.13.72 "Let your charity be in conformity with your wealth - that is the way to preserve it. " ~~ Tirukurrala, Aras. Ch. 48

 Radix-10th-lord's navamsha Ruler

According to Brihat Jataka (Chapter 10), the planet in the 10th house from lagna or Moon bestows means of livelihood, or wealth.

Navamsha of the 10th-lord

If there is no planet in radix 10th-house, look to the .

The lord of L-10's navamsha sign will indicate the means of gaining this predicted wealth.

I have found in practice that the rule works best using the lord of the navamsha of the radix 10th-lord.

1. Sun in 10th gives wealth from the father

2. Moon in 10th gives wealth from the mother

3. Mars in 10th gives wealth from the mother

4. Mercury in 10th gives wealth from the friends

5. Jupiter in 10th gives wealth from the brothers

6. Venus in 10th gives wealth from the spouse

7. Moon in 10th gives wealth from the servants

Planetary Yogas for Gain of Wealth:

Certain yogas are famous for providing strong material wealth of money, jewels, vehicles, and lands:

Parivartamsha yoga of L-2 in house-11 plus L-11 in house-2 --- also, L-2 yuti L-11 in Kendra or trine

• If Dhana lord is in Labha, while the lord of Labha in Dhana, wealth will be acquired by the native.

• Alternately, these two lords may join in an angle or in a trine.-BPHS Ch. 13, Shloka 4

L-2 in bhava-11

• If Dhanu's lord is in Labha bhava, the native will have all kinds of wealth, be ever diligent, honorable and famous." -BPHS Shloka 23, Ch. 24 "Effects of the Bhava Lords"

L-2 in bhava-4 [house-2 = 11th-from house-4]

• "If Dhana's lord is in Bandhu Bhava, the native will acquire all kinds of wealth." - BPHS Ch. 24, shloka 16

Parivartamsha yoga (Exchange of rashi) between L-1 in house 9 AND L-9 in house-1 AND Guru in house-7 [house-7= 11th-from house-9]

• Should Lagna's lord be in Dharma, as Dharma's lord is in Lagna, and Guru is in Yuvati, there will be gains of wealth and conveyances. - BPHS Ch 29,

Parivartamsha yoga of L-1 in bhava-3 + L-3 in bhava-1 = wealth through siblings:

• If Labha's lord is in Sahaja Bhava, as Sahaja's lord is in Labha Bhava, one will gain wealth through co-borns and will be endowed with excellent ornaments. - BPHS Ch. 22, Shloka 10

When [Guru = L-9] + [L-10 uchcha] + [L-9 yuti L-10 in dharma bhava]:

• 8-10 Should Karma's lord be in exaltation and be in the company of Guru as Dharma's lord is in Karma the native will be endowed with honor, wealth, and valour.

[Guru + Budha + Chandra] in Dharma Bhava

• 7. Should Guru, Budha, and Chandra be in the 11th from Labha (i.e. Dharma Bhava) the native will be endowed with wealth, grains, fortunes, diamonds, ornaments, etc..

Yogas for Loss of Wealth:

Parivartamsha yoga of the debt-making L-6 + the gainful L-11 causes some loss:

• Loss of wealth will come to pass during the 31st year if Labha and 6th lords exchange their Rashis.

L-4 in dhana which is 11th-from-own-house:

• If Bandhu's lord is in Dhana Bhava, the native will enjoy pleasures, all kinds of wealth, family life and honor, and be adventurous.

• He will be cunning in disposition. -- BPHS Ch. 24, Shloka 38

L-4 in 2nd-from-Dhana-bhava:

• If Bandhu's lord is in Sahaja Bhava, the native will be valorous, will have servants, be liberal, virtuous and charitable, and will possess self-earned wealth. He will be free from diseases.-- BPHSCh. 24, Shloka 39

2nd house (Dhana bhava) profiles:

• your family's wealth  and  status

• your personal values as absorbed from extended family upbringing

• your speech

• your mouth, teeth, jaws, tongue

• the food you eat (most basic form of wealth is certainly food)

• your personal material assets

• your moral and aesthetic values, taste in art  and  design

• the extended family's full set of values including their wealth

• 2nd house is banking, in the root sense of "holding in" (as in a river bank holding in the river, a money bank holding in the money, etc.)

• the connection between money and speech is well known. The longer a family has held wealth, the more refined its speech and aristocratic values become

House-11 profiles

• your behavior in the Marketplace i.e. "networking"

• satisfaction of desires

• gains of all possible types: income from salary, rents, royalties, commissions, dividends, etc.

• gains of status  and  popularity

• increased activity in the marketplace

• accomplishments for self and society

• community development or gains for one's people as well as gains for the self

Combinations of L-2 and L-11

Total monetary wealth is a combination of:

1. "what you know" (family cultural values, domain-2)

2. "who you know" (marketplace associations, domain-11).

The yoga between 11th = incoming wealth -and- 2nd = wealth retained -- will show the native's lifetime, overall financial situation.

Should L-2 and L-11 be juxtaposed in a 6/8 angle, less favorable financial results occur.

For example, if a person is blessed with a favorable financial yoga such as 2nd lord in the 11th house, one will be born into financially comfortable family circumstances, and through the money skills  and  values learned in that family, one will continue to produce one's own wealth throughout their adult lives.

Self-Made Wealth:

2nd-from-2nd -- entrepreneurial L3 rising = self-made wealth. The pre-eminent house of self-made wealth is sahaja-bhava, the Third House in radix.

• If Sahaja's lord is in Tanu Bhava, the native will have self-made wealth, be disposed to worship, be valorous, and be intelligent, although devoid of learning. -- BPHSCh. 24, Shloka 25 " Effects of Sahaja's Lord in Various Bhavas"

• If Sahaja's lord is in Karma Bhava, the native will have all lands of happiness and self-made wealth, and be interested in nurturing wicked females. -- BPHSCh. 24, Shloka 34

Opulent wealth

Poorva punya = "extra credit" accumulated from one's generous actions in past lives. Purva-punya is usually represented by the fortunate 5th-rashi (putra bhava) and 9th-rashi (dharma bhava.)

5th House (Putra Bhava) profiles:

• Remarkably wealthy people are usually VERY creative, and they have a super-powerful putra bhava in addition to strong 2nd or 11th houses. (See for example the philanthropist Wm. Gates Jr.)

• Fame  and  fortune

• children  and  self-expression

• performance art

• literature  and  authorship

• all forms of personal creativity  and  procreativity

• intelligence of originality in individual thought; "genius."

9th house (Dharma bhava) profiles:

• The 9th harmonic of anything is ultimate in Vedic thinking.

• The "Bhagya" (fortunate) Dharma bhava = the most fortunate house in the rashi chart. Dharma bhava = a "credit account" accumulated from good works in past lives, usually in the religious teaching priesthoods.

• There is no such thing as random "luck" - but some people have extraordinarily good fortune, due to their extraordinarily meritorious works in past lives. They've earned it!

• Extraordinary configurations in the 9th house may indicate material wealth, but more likely will show tremendous wisdom.

• That wisdom may well include -- but is never limited to -- the skills for generating material wealth.

• Although the primary wealth of domain-9 is knowledge, generally material circumstances which are the "downstream" of spiritual development will also be quite favorable.

Money-Maker Graha per 12 Lagna

If a graha rules dhana bhava plus another money house, that graha is a money maker. Look to the rashi, incoming drishti, bhava, and other significations of the money-maker graha to determine the sources of material wealth.

• For Vrishabha lagna, presuming that Budha is fairly well disposed, periods of L-2/L-5 Budha generate considerable wealth through family-of-origin hoarded assets and knowledge-values, as well as via creative genius, including children, speculation, theatre, romance, and games.

• For Simha lagna, presuming that Budha is fairly well disposed, periods of L-2/L-11 Budha generate considerable wealth via family-of-origin hoarded assets and knowledge-values, as well as earned income from the marketplace of goods and services.

• For Kanya lagna, presuming that Shukra is fairly well disposed, periods of L-2/L-9 Shukra generate considerable wealth via family-of-origin hoarded assets and knowledge-values, as well as via the higher philosophical education and world travel.

• For Vrischika lagna, presuming that Guru is fairly well disposed, periods of L-2/L-5 Guru generate considerable wealth via family-of-origin hoarded assets and knowledge-values, as well as via creative genius, including children, speculation, theatre, romance, and games.

• For Kumbha lagna, presuming that Guru is fairly well disposed, periods of L-2/L-11 Guru generate considerable wealth via family-of-origin hoarded assets and knowledge-values, as well as via earned income from the marketplace of goods and services.

• For Meena Lagna, presuming that Mangala is fairly well disposed, periods of L-2/L-9 Mangala generate considerable wealth via family-of-origin hoarded assets and knowledge-values, as well as via the higher philosophical education and world travel.

Note: L-9 tends to yield wealth for purposes of religious development. Although the amount of material wealth attracted via L-9 may be truly spectacular, the native with pronounced wealth from a dharma source is unlikely to personally own very much in the way of material assets.

The native thus blessed may be the administrator or director of disposition but is rarely the legal owner. Indeed, a religious personality who does own major material assets should be quite suspect!

Lagna	L-2 = Hoards of Natural Resources, Savings	L-5 = Winnings by Genius, Games and Speculation	L-9 = Assets Supporting Acts of Faith or Piety	L-11 = Earned Income via networked association
Mesha	Shukra	Surya	Guru	Shani
Vrishabha	Budha	Budha	Shani	Guru
Mithuna	Chandra	Shukra	Shani	Mangala
Karkata	Surya	Mangala	Guru	Shukra
Simha	Budha	Guru	Mangala	Budha
Kanya	Shukra	Shani	Shukra	Chandra
Thula	Mangala	Shani	Budha	Surya
Vrischika	Guru	Guru	Chandra	Budha
Dhanusha	Shani	Mangala	Surya	Shukra
Makara	Shani	Shukra	Budha	Mangala
Kumbha	Guru	Budha	Shukra	Guru
Meena	Mangala	Chandra	Mangala	Shani

Immoral or criminal wealth

Unfortunately, great temporal wealth can be created by wrong methods, such as stealing, lying, fraud, exploitation, and various criminal means.

The drug kingpins and prostitution lords of the international criminal gangs generally have strong 6th, 8th  and  12th rashi configurations, indicating that they are having temporary material gain which creates a terrifying spiritual loss.

They can look forward to future lifetimes enslaved to karmic repayment.

Inheritance Monies

Inheritances or "hidden monies" come in periods of the L-8 or the period of a graha in occupation of the 8th house.

Lotteries and Prizes

Winnings from Lotteries or any other variety of speculative investment or gambling, whether in casinos, on street curbs, or in the stock market, will occur in periods of the fifth house or the period of a graha in occupation of domain-5.

Domain-5 and its lord represent "luck". Luck tends to produce the results characteristic of the house lord. When Shani is lord of 5 (Thula and Kanya lagna) "luck" tends to follow discipline. The native believes that work is the key to "winning". As the golfer Gary Player famously said, "the more I practice, the luckier I get."

When Guru is lord of 5, (Simha and Vrischika lagna) speculative wins are easier to achieve due to the native's positive beliefs and expectations about one's "chances" in gambling, including political elections and winning of prizes. If Guru is well-placed, the native may be consistently lucky in life.

Naturally, the most auspicious lord for the obtainment of wealth through creative speculation (gambling) is the money-karaka, Shukra. Mithuna and Makara lagna may be exceptionally lucky in winning political campaigns and being well paid for creative endeavors (Barack Obama's book deals) as well as amazing gain of wealth through stock market activities (Bill Gates).

Financial ups  and  downs

Much more common than lifelong wealth are nativities which feature temporary gains due to an auspicious mahadasha or dasha-bhukti combination. Gains may be followed by losses, or vice versa.

• Periods of L-5 and L-9 are always auspicious, bringing children, personal creativity,  and  wisdom leading to good decisions which enhance material wealth.

  • Periods of L-5 indicate empowered channeling of divine intelligence. Periods of L-9 indicate support from helpful guiding spirits.

• Periods of the 2nd or 11th lords frequently bring material gains through application of lineage knowledge (2) and mutually profitable friendships within the marketplace (11).

• Periods of the 8th or 12th lords may bring loss of material acquisitions, caused by sudden, forced changes (8) or waning interest in the material identity (12).

"The lottery is a special tax for those not good at math."

"What is the most important for democracy is not that great fortunes should not exist, but that great fortunes should not remain in the same hands."  ~~ Alexis de Tocqueville, Democracy in America

Isaac Newton, the famous physicist, lost some of his money due to speculation in The South Sea Company stock in the 1720's. He lost over 20,000 pounds (£1.68 million in today's money) of his fortune.

As a result of this crisis, he stated,

"I can calculate the motions of heavenly bodies, but not the madness of people".   ~~ Isaac Newton, wikipedia

"You can never win a war against terror as long as there are conditions in the world that make people desperate - poverty, disease, ignorance, et cetera.

I think people are beginning to realize that you can't have pockets of prosperity in one part of the world and huge deserts of poverty and deprivation and think that you can have a stable and secure world."  ~~ Archbishop Desmond Tutu