卷二 · 四吉神格局详解 · Chapter 33
论财
沈孝瞻（清）
财：我所支配者，与生官之源
财之所以为美，首在能生官；作者先点出财的几副面孔 —— 财帛、妻妾、才能、驿马。全章主体是财格贵局的清单：财旺生官、食神生财、财格佩印、食印并用、伤官化劫生财、合煞存财与制煞生财、煞印相济（冬土解冻尤贵）。同时也标出边界：财太露、财太轻、劫刃太重，格就转向另一路。
古籍原文与精注
古文原韵与英文对齐，包含逐句释义与解注
财为我克，使用之物也，以能生官，所以为美。为财帛，为妻妾，为才能，为驿马，皆财类也。
【原注】【财为我克】财 = 日主所克者（如甲见戊己土）。【财的四类象】财帛、妻妾、才能、驿马 —— 皆财之所主。
Wealth is what I control — the things I put to use — and because it can generate the officer it is reckoned fine. Money and goods, wife and concubine, ability, and the post horse: all these belong to wealth.
财喜根深，不宜太露，然透一位以清用，格所最喜，不为之露。即非月令用神，若寅透乙、卯透甲之类， 一亦不为过，太多则露矣。然而财旺生官，露亦不忌，盖露不忌，盖露以防劫，生官则劫退，譬如府库钱粮，有官守护，即使露白，谁敢劫之？如葛参政命，壬申、壬子、戊午、乙卯，岂非财露？唯其生官，所以不忌也。
【原注】【财喜根深不宜太露】财须有根而显一位为清用；多透则「太露」。【财旺生官则露不忌】有官护财，如府库有官兵守之 ⇒ 露白无妨。⚠️ 底本此处有**重文**（「盖露不忌，盖露以防劫」），两源同文，照录不改。
Wealth welcomes a deep root and should not be too exposed; yet revealing one stem for clear use is what a structure most welcomes, and is not counted as exposure. Even outside the month's useful god, as when yin reveals yi or mao reveals jia, one such is no fault — only too many makes it exposed. Yet when prosperous wealth generates the officer, exposure is not dreaded either, for exposure guards against robbers: when wealth generates the officer the robbers retire, as when a treasury of money and grain has an officer to guard it — though the silver lies open, who dares rob it? The chart of Councillor Ge — ren shen, ren zi, wu wu, yi mao — is not its wealth exposed? Only because it generates the officer is it not dreaded.
财格之贵局不一，有财旺生官者，身强而不透伤官，不混七煞，贵格也。
【原注】【财旺生官】财格第一贵局：身强、不露伤官、不混煞。
The noble forms of the wealth structure are several. There is prosperous wealth generating the officer: with a strong body, no revealed wounding officer and no mixed seven killings, this is a noble structure.
有财用食生者，身强而不露官，略带一位比劫，益觉有情，如壬寅、壬寅、庚辰、辛巳，杨待郎之命是也。透官身弱，则格坏矣。
【原注】【财用食生】财格以食神生财；略带比劫则食神有化（不专夺财）⇒ 有情。【透官身弱则坏】身弱再见官，财生官攻身 ⇒ 格坏。
There is the wealth structure using the food god to generate it: with a strong body and no revealed officer, and a touch of peer or robber, it feels all the more full of feeling. The chart of Vice Minister Yang — ren yin, ren yin, geng chen, xin si — is one. If the officer is revealed while the body is weak, the structure is spoiled.
有财格佩印者，盖孤财不贵，佩印帮身，即印取贵。如乙未、甲申、丙申、庚寅，曾参政之命是也，然财印宜相并，如乙未、己卯、庚寅、辛巳，乙与己两不相能，即有好处，小富而已。
【原注】【财格佩印】孤财不足以贵，佩印帮身而以印取贵。【财印宜相并】财印须互不相碍（乙与己并立则相克）。
There is the wealth structure paired with the seal: wealth alone is not noble, and pairing with the seal supports the body, so that rank comes through the seal. The chart of Councillor Zeng — yi wei, jia shen, bing shen, geng yin — is one. Yet wealth and seal should stand side by side; in yi wei, ji mao, geng yin, xin si, yi and ji do not get on, and however good the rest, it is only modest wealth.
有用食而兼用印者，食与印两不相碍，或有暗官而去食护官，皆贵格也。如吴榜眼命，庚戌、戊子、戊子、丙辰，庚与丙隔两戊而不相克，是食与印不相碍也。如平江伯命，壬辰、乙巳、癸巳、辛酉，虽食印相克，而欲存巳戊官，是去食护官也。反是则减福矣。
【原注】【食印不相碍】庚（食）与丙（印）隔两位戊土而不相克。【去食护官】辛（印）与丙（食）虽相克，为存巳中戊官而舍食 ⇒ 皆贵。
There is the use of the food god together with the seal: if food and seal do not obstruct each other, or if a hidden officer is present so that the food is removed and the officer protected, both are noble. The chart of Wu, second in the palace examination — geng xu, wu zi, wu zi, bing chen — has geng and bing separated by two wu, so they do not check each other: food and seal do not obstruct. The chart of the Earl of Pingjiang — ren chen, yi si, gui si, xin you — has food and seal checking each other, yet the wu officer hidden in si is to be preserved, so the food is removed to protect the officer. The reverse reduces the fortune.
有财用伤官者，财不甚旺而比强，辂露一位伤官以化之，如甲子、辛未、辛酉、壬辰，甲透未库，逢辛为劫，壬以化劫生财，汪学士命是也，财旺无劫而透伤，反为不利，盖伤官本非美物，财轻透劫，不得已而用之。旺而露伤，何苦用彼？徒使财遇伤而死生官之具，安望富贵乎？
【原注】【财用伤官】财轻劫重时，取伤官化劫生财（不得已而用）。【财旺无劫而透伤】财本旺则伤官反伤财源 ⇒ 不利。⚠️ 底本作「辂露」，疑当作「略露」；两源同文，照录不改。
There is the wealth structure using the wounding officer: when wealth is not very prosperous while peers are strong, one reveals a wounding officer to transform them. In jia zi, xin wei, xin you, ren chen, jia is revealed out of the wei vault; meeting xin as a robber, ren transforms the robber and generates wealth — the chart of Academician Wang. But when wealth is prosperous and there is no robber, revealing the wounding officer is harmful instead, for the wounding officer is not a fine thing by nature; it is used only when wealth is light and robbers are revealed, as a last resort. When wealth is already prosperous, why trouble to use it? It would only let wealth meet the wounding and die, destroying the very instrument that generates the officer — what rank or wealth could one hope for?
有财带七煞者，或合煞存财，或制煞生财，皆贵格也，如毛状元命，乙酉、庚辰、甲午、戊辰，合煞存财也；李御史命，庚辰、戊子、戊寅、甲寅，制煞生财也。
【原注】【合煞存财】如乙庚相合（煞被合）而财得存。【制煞生财】戊日以甲为煞、庚为食神（制煞）、子为财 ⇒ 制煞而生财。
There is the wealth structure carrying the seven killings: either the killings are combined away and the wealth preserved, or the killings are controlled and the wealth generated — both noble. The chart of the top graduate Mao — yi you, geng chen, jia wu, wu chen — combines away the killings and preserves the wealth; the chart of Censor Li — geng chen, wu zi, wu yin, jia yin — controls the killings and generates the wealth.
有财用煞印者，党煞为忌，印以化之，格成富局，若冬土逢之亦贵格。如赵侍郎命，乙丑、丁亥、乙亥，化煞而即以解冻，又不露财以杂其印，所以贵也。若财用煞印而印独，财煞并透，非特不贵，亦不富也。
【原注】【财用煞印】煞党为忌，得印化煞 ⇒ 成富局；冬土尤须火印解冻。【赵侍郎命】丁火化煞兼解冻、又不露财杂印 ⇒ 贵。⚠️ 底本此例仅列三柱（脱一柱）；两源同文，照录不改。
There is the wealth structure using killings and seal: partisanship with the killings is an aversion, and the seal transforms it, making a wealthy structure; for winter earth meeting this it is noble too. The chart of Vice Minister Zhao — yi chou, ding hai, yi hai — transforms the killings and at the same time breaks the freeze, and does not reveal wealth to muddle the seal: hence its rank. But if the wealth structure uses killings and seal while the seal stands alone and wealth and killings are both revealed, it is not only not noble but not even wealthy.
至于壬生午月，癸生巳月，单透财而亦贵，又月令有暗官也。如丙寅、癸巳、癸未、壬戌，林尚书命是也。又壬生巳月，单透财而亦贵，以其透丙藏戊，弃煞就财，美者存在赠者弃也。如丙辰、癸巳、壬戌、壬寅，王太仆命是也。
【原注】【暗官】午中丁己、巳中丙戊：单透财而官藏于支 ⇒ 亦可贵。【弃煞就财】壬生巳月，透丙（财）而藏戊（煞）：取财不取煞。⚠️ 底本作「美者存在赠者弃也」，「赠」字费解（疑当作「憎」）；两源同文，照录不改。
As for a ren day born in wu or a gui day born in si, revealing wealth alone and yet noble: the month command also holds a hidden officer. The chart of Minister Lin — bing yin, gui si, gui wei, ren xu — is one. And a ren day born in si, revealing wealth alone and yet noble, because bing is revealed and wu stored, so the killings are abandoned and the wealth taken up: what is fine is kept, and the rest discarded. The chart of Wang, Grand Coachman — bing chen, gui si, ren xu, ren yin — is one.
至于劫刃太重，弃财就煞，如一尚书命，丙辰、丙申、丙午、壬辰，此变之又变者也。
【原注】【弃财就煞】劫刃太重则财不可用，只能取煞以制刃 —— 财格的极端变例。
As for robbers and blade being too heavy, one abandons wealth and takes up the killings: the chart of a certain Minister — bing chen, bing shen, bing wu, ren chen — is a change upon a change.