Dharma, Artha, Kama and Moksha are the four pillars of one’s life. The role of each pillar can be identified in the horoscope. Planetary combinations not only reveal the ethical and spiritual stature of a native but also one’s material prosperity and income and its acquisition. Wealth is one of the important pillars of life today. It bestows on one many blessings. A person without money does not command respect and recognition in modern society. A stranger becomes a kinsman to a rich man but to a poor man even a kinsman becomes a stranger. Of the 12 Bhavas , the 2nd house (wealth), the 4th (vehicles, house, lands), the 9th (luck), the 11th (accumulation of wealth) and the 12th house (expenditure) deal with material prosperity.
Jupiter is the significator of wealth. Jupiter and the Moon in the 2nd, 9th or the 11th and the lords of these houses in exalted positions indicate more wealth. Money matters are largely judged from the 2nd house which is the triad of the 10th and the 6th house. The 10th house is concerned with profession, occupation and business and the 6th house is concerned with the sphere of activity in which money may be earned In addition, the 8th house deals with inherited property and legacies. The 12th and the 4th houses are the triads of the 8th house. This shows that finances cannot be judged from the 2nd house alone. Money may be earned through the influence of the first 10 houses — the 1st house and the 2nd house by one’s own efforts, the 3rd through brothers, the 4th through education or mother, the 5th through speculation, cinema, music and children, the through business and partners, the 8th house through insurance and legacies, the 9th house through foreign assignments and the 10th house through one’s own profession. The 12th house indicates expenditure. The benefits from the 1st house to the 10th house are added and the adverse effect of the 12th house is deducted from the total benefits. The net balance is shown by the 11th house. Hence the 2nd and the 11th houses are important deciding the financial position of the native. The 11th is the 10th from the 2nd in the Zodiac and the 2nd sign Taurus is ruled by Venus. The 10th and 11th signs are ruled by Saturn. Hence the 2nd and the 10th signs of the Zodiac also become the Karakas or significators for career. The 2nd and the 10th houses from the Ascendant have control over the occupation of the native.
The Ascendant is of great importance in judging the final position of the native and also the Dhana Yogas. The following must be taken into account in assessing finances:-
(i)Ascendant and its lord
(ii) The 2nd, 4th, 9th, 10th and 11th houses and their lords.
(iii) Moon and Mercury.
(iv) Jupiter and Venus.
(v) Running Dasa, Bhukti and Transits.
The lord of the Ascendant in a decent position is itself a great asset which sustains a person throughout his life. The Ascendant and its lord exercise a powerful influence in maintaining the status of the native in different spheres of his activities including finance. The five Mahapurusha Yogas and Raja Yogas also bless one with wealth.
It is impossible to list all the Yogas for riches in this paper but a few of them are mentioned here. There are other combinations also to show riches as follows:-
(i)Conjunction of the 10th and 11th lord.
(ii)The 9th lord in a Kendra or Trikona or exalted or in own house.
(iii)The 10th lord in the 10th or the 2nd or the 9th.
(iv)Powerful Mercury, Venus, Jupiter in the Ascendant or the 2nd house.
(v)The 2nd lord in a Kendra or a Trikona from the Ascendant lord.
(vi)The Ascendant and 2nd lords in exchange of signs
(vii)Lords of 2nd and 11th in the Ascendant.
(viii)Jupiter in Sagittarius or Jupiter and Mars in Aquarius.
(ix)The Moon as 7th lord in the 2nd house makes the native get back lost wealth. This is possible only for Capricorn Ascendants.
(x)Usually Bhavas are destroyed if they are occupied by their respective Karakas or significators. The exception to this rule is Jupiter, Karaka for finance, in the 2nd house.
Dr. B.V.Raman gives the following Dhana Yogas in his 300 Important Combinations.
(i)The Sun must occupy the 5th identical with its own sign and Jupiter.
(ii)The 5th from the Ascendant happens to be the sign of Venus and Venus and Saturn are situated in the 5th and 11th respectively.
(Hi) The Sun in the 5th identical with own sign and Jupiter and the Moon in the 11th and Saturn should occupy his own sign which should be the 5th from the Ascendant while Mercury and Mars should be in the 11th.
(iv)The Sun in Leo aspected or joined by Mars and Jupiter.
(v)The Moon in Cancer aspected by Mars and Jupiter.
(vi)Mars in Aries or Scorpio aspected by the Moon, Venus and Saturn.
(vii)Mercury in own sign aspected by Saturn and Venus.
(viii)Venus in own sign aspected by Saturn and Mercury.
(ix)Planets in the 2nd from the Moon give rise to Sunapha Yoga indicating self-acquired wealth.
(x)Vasi Yoga is caused if planets are in the 12th from the Sun which makes a person rich and wealthy.
(xi)Durdhura Yoga gives much wealth when there are planets on either side of the Moon.
(xii)Vasumathi Yoga is caused by benefics in the 3rd, 6th, 10th and 11th either from the Ascendant or the Moon when the native commands plenty of wealth.
(xi’ii) Combination of trinal and angular lords gives rise to Raja Yoga.
Chart 1: Male: Born October 19, 1942 at 1h.38m. at 10 N 47, 79 E 39 (Ay: 22-10-4)
Chart 1 is a good example for financial success shown by the 9th lord Jupiter exalted and Vargottama in the Ascendant. Powerful Mercury is in the 9th from the Moon. The Ascendant lord Moon is aspected by benefic Jupiter causing Lakshmi Yoga and Gajakesari Yoga. The 2nd lord Sun is in a Kendra from the Moon. The sign-dispositor of the Ascendant lord in the 11th produces Pushkala Yoga. The 10th and the 11th lords Mars and Venus in the 3rd are both aspecting the 9th. There is a Conjunction of the 5th and 11th lord Mars and Venus is in the 9th from the Moon. In Navamsa, the Ascendant lord Mercury is associated with the 5th and 6th lord is Saturn in the 10th house aspected by Vargottama Mars.
Chart 2: Male: Born February 24, 1941 at 6h.00m. at 10 N 55, 78 E 25 (Ay: 22-56-42)
The 2nd house in Chart 2 is occupied by Ketu. No planets aspect the 2nd lord who is associated with Saturn. Mars and Rahu aspect the 2nd house. The 2nd lord from the Moon is Saturn. There is an exchange of signs between Jupiter and Mars. In other words, Jupiter, Saturn, Mars, Ketu and Rahu influence the 2nd house either in their major or sub-periods. Jupiter is capable of producing the effects of the 2nd house much more than the other planets since he occupies the Nakshatra of Venus who is a Yogakaraka for Aquarius Ascendant. Jupiter in the 3rd house is not favorable for finance. Even the Rahu – Ketu axis in the 2nd house does not help either, indicating weak financial results. The presence of Mercury and the Sun in the Ascendant does not assure financial security. The afflicted 2nd house indicates that the native may not accumulate a big fortune. The combination of the Sun and the 5th lord in the Ascendant would spell the difference between financially stable life and economically tight life.
While judging financial matters, a careful study of the 2nd house from all angles, planets in the 2nd and the aspects the 2nd house and the 2nd lord receive must be made. Jupiter and Venus, the natural significators of good fortune, must also be considered. The signs of the Zodiac have some influence over finance. The cardinal signs give money through fame and public recognition enterprise and adventure, fixed signs bring gain through government and common signs indicate wealth through service and ordinary means. The 2nd and 9th lords in the 11th with the Moon and Jupiter make one a millionaire.
Bhavartha Ratnakara gives the following combinations for wealth:-
(i)The lords of the 2nd and the nth from the Ascendant in the Ascendant.
(ii)The lords of the 1st, 2nd and 11th in their respective houses.
(Hi) Jupiter conjoined with the lord of the 2nd and Mercury.
(iv)The Ascendant lord and the 9th lord in strong positions.
(v)The lord of the 2nd in the 5th house and vice versa.
(vi)The lord of the 5th in the 5th and the lord of the 9th in the 9th.
(vii)The lords of the 2nd and the 5th combined with lords of the 5th and the 9th.
The following show riches, according to Laghu Parasari:-
(i) Jupiter in his own sign in the 9th with Venus or the lord of the 5th.
(ii) Mercury in the 5th in his own sign while Mars and the Moon occupy the nth.
(iii) Venus with Mercury in the 5th in a Venusian sign and Saturn in the 11th.
(iv)The Moon in the 5th in his own sign and Mars in the 11th.
(v) Mercury in the Ascendant in his own sign aspected by Jupiter and the Moon.
(vi)Saturn in the Ascendant in own sign aspected by Mercury associated with Venus.
(viii)The Sun in the Ascendant aspected by Mars and Jupiter.
(ix)The Pancha Mahapurusha Yogas Ruchaka, Bhadra, Hamsa, Malavya and Sasa.
Courtesy: Modern Astrology(N. Kunjammal)