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Recently, I met up with a friend of mine who works in real estate. We meet occasionally for lunch to chat about real estate and of course, what person doesn’t love a freebie BaZi consult right?
in his chart, wealth is weak. And so his financial opportunities are heavily dependant on the annual energies and deal size because it’s a commission business. He is a Xin Metal Day Master.
So recently he asked me about 2026, concerned because I had casually at another lunch some time ago said that he had to make the most of 2025 (乙巳 year) because it was his likely last chance to store up some nuts for the Winter that was coming.
Remember, this is a chart where wealth is weak and an individual who is self employed.
Now, 2026 is chugging closer and so suddenly he was freaked out. If there was no more money..what was he going to do?
Obviously, “no more money” here does not mean lifetime – remember, luck changes. BUT, financial droughts, like rains in the Serengeti are real, especially for charts with weak wealth.
Sidenote: if we were to be discussing this from a practical standpoint, there should have long been a transition to a paid job with a salary. but because this never really happened despite advice, they are where they are and they must live with the limited options that come from choosing a specific business model over another.
So let’s contextualise what ‘no more money” means.
Firstly for strong Xin Metal with weak wealth in the chart, the next few years are challenging. Let’s line up the years:
2026 (丙午)
2027 (丁未)
2028( 戊申)
2029 (己酉)
2030 ( 庚戌 )
2031 ( 辛亥)
We have wood in 2027 but it is in the Graveyard so requires a Combo of sorts to help it along otherwise, unusable. And the next time there is wood is 2031.
So essentially 2026 appears to be a drought year, a brief respite, and then a very long drought after that coupled with pronounced Rob Wealth in all three years.
Is the freak out justified?
So what people often fail to understand is that ever since life as we know it has evolved into many different models of work, so the business model must evolve.
Individuals who operate a ‘eat what you kill’ model (meaning commission driven work) need to be very adaptive to their circumstances, especially if they are weak wealth charts (who should never be doing commission based work in the first place but…see sidenote above)
The money does dry up. That means wealth opportunities become very scarce and driven by the monthly energies. But the trick here is to reverse how the income is derived to capitalise on the circumstances.
2026 is a very very good Officer year. For people on a commission based income, Office = Clients. But since these clients come with no money themselves (Bing Wu is Bing seated on its own Rob Wealth with no money so that means the client has no money, just a lot of flash) – this means a lot of useless clients.
In the real estate world, this means lots of clients who want to sell stuff, but no buyers.
So what is the smart BaZi pivot in this case?
Significantly, it is to avoid HUMAN clients, and focus on CORPORATE clients.
What is the difference? Human clients are people looking to sell their houses or commercial property in the case of real estate. They invariably are the worst kind of clients because they are often desperate or greedy. For a real estate agent, desperate and greedy or desperate or greedy customers are very tough to satisfy. (remember, the agent makes a commission even if the owner loses money so there’s already a conflict of outcomes built in to this type of relationship)
Corporate clients on the other hand, are fronted by humans, who are capable of being both greedy and desperate at the same time, but invariably however do not actually OWN the assets involved. And accordingly, can justify their actions either way (business growth! de-leveraging! acquisition with a view to accretive earnings! blah blah). They are stakeholders in the process but not owners and their actions will often not be motivated by personal financial gain, but personal gain of a different nature (career KPIs etc).
Corporate clients sometimes do big disposals and if they are retail businesses, will usually require high volume leasing. And almost always in such instances, they either have an agent or a real estate firm on advisory retainer or the commissions are squeezed but the agent has constant regular work.
So what this person has to do, is capitalise on their personal network and likability, and convert their friends who have business needs into clients who either offer regular work or a retainer. This capitalises on the Officer Star, but at the same time, recognises this is an Officer without money (in other words, they are using Other People’s Money – read, their shareholders). It means to shift towards working with developers perhaps (to sell projects) or focus on landing a large scale leasing project.
What they should avoid is friends who want to dispose of their crappy condo that is losing money, or sell the property they inherited at astronomical sums, or service people who are dealing with their personal assets.
Now this is not an easy business pivot and for many people, it may feel too difficult to do. But it is the most logical answer in the instance of a weak wealth chart faced with a long drought. Pivoting your personal business model is perhaps going to become one of the most crucial skills going forward of the modern employee, faced with the realisation that companies are no longer forever work homes, and it’s looking more and more like a jungle out there.
So the next time you see ‘no wealth [or whatever element] in the coming years’, do not panic. Instead, re-assess your business model, pivot yourself accordingly to make the best of what the year offers.