1 - The more naive and simple-minded the reader, the more likely they are to ask me when I’m analyzing their destiny pattern (命盘): Master, why is it that despite working incredibly hard, having decent credentials, and being reasonably clever in daily life — I still can’t attract good wealth fortune?
Here, through this article, I’ll give you the definitive, top-tier answer openly and clearly: because making money has never had a strong correlation with effort, education, or intelligence. These things add points — but they are not the deciding factor.
The deciding factor in whether you can make money is whether you actually know the “complete, specific execution process.”
Like a construction foreman — as long as he clearly understands what the entire execution process looks like, he can get the building built. Maybe faster, maybe slower, but it gets done.
Like a watchmaker — he’s no smarter than you, but he simply knows how to fit all those intricate parts together and make them run.
The problem is, those who truly understand the “execution processes” of different industries treat this knowledge as absolute secrets. It never leaks out.
If you want to know it, you have no choice but to start from zero, step by step, and bang your head against the wall until you’ve paid for that knowledge in blood and sweat.
2 - This is exactly why so many people — clearly inferior to you in intelligence, character, and credentials — can rapidly accumulate wealth under their parents’ guidance. That’s the whole reason.
What they have is “a complete execution process, verified across generations.” This process works whether you’re in the government system, the business world, mainstream society, or the underground network.
From how to build alliances of shared interest at the highest levels, to how to manage the assets in your hands day-to-day, to proper conduct and social grace at the ground level.
All of it is passed down behind closed doors, within the family, through lived example and direct instruction. Kept completely secret.
This is what is called family knowledge.
It is also why “a decade of grueling study cannot compare to three generations in business.”
3 - The reason I, Master Chi, write this article is because when I’m analyzing readers’ destiny patterns, I often think to myself: you are clearly a good seedling — but you’re missing guidance on a few critical pieces of understanding.
If you are willing to slowly absorb these insights and integrate them into your life, then even though I cannot promise you mountains of gold, modest financial freedom and solid economic footing are absolutely within reach.
This is also why, whenever I analyze a destiny chart and your pattern is solid, I spend far more time laying out the entire framework of understanding for you.
After all, a good seedling deserves careful cultivation.
Speaking selfishly — once you prosper, you will naturally find ways to give back.
Yes. If you want others to respect you, you must first have sufficient value and meaning of your own. That is the essence of this society. The sooner you recognize this, the better.
4 - There is something I repeat every time I teach the third-generation wealthy from the Jiangsu-Zhejiang-Shanghai region: employment — at its core — is simply the old “laboring for survival,” just dressed up in prettier language. Nothing more.
This path will forever, forever, forever only guarantee you enough to get by. It will never guarantee you prosperity and comfort, let alone a truly high quality of life.
So tell yourself early on: “Employment is merely a learning process — a chance to stand in the position of a cog, to understand how to manage other cogs, and to grasp the true operating logic of the whole machine.”
Therefore, when you are employed, your real goals are to understand employment, decode employment, transcend employment, and escape employment.
And ultimately, rise into the inner circle that actually holds decision-making power. That is where the true share of the big pie is distributed.
5 - You must remember this: beyond the overall influence of your destiny pattern, only two variable factors truly determine your final quality of life. The first is your environment. The second is the people around you.
Look around you — anyone whose life resembles a disaster, full of pain and suffocation, will invariably have an equally terrible environment and equally terrible people surrounding them.
Is such a person to be pitied? Pitiful and tragic both.
But there is nothing you can do about it, because the only one who can truly save them is themselves. This is why everyone who has ever crawled out of rock bottom has necessarily gone through a period of “dark invisibility.”
During this time, no one can reach you or find you — because you have secretly tucked yourself away in a small, dark room, like a retreat of self-reflection and reckoning.
You begin removing people from your life, one by one. You begin reviewing everything you have done, one by one. Until a sudden moment of clarity arrives — like a massive iron shackle around your heart finally shattering open: So my entire previous way of living was wrong from the ground up! I never lacked potential, wealth fortune, or noble benefactors (Gui Ren) — I just never truly used my own brain?!
From that moment, your life becomes one continuous ascent.
6 - There is a profoundly ignorant saying that has been circulating widely in motivational content lately: “Making big money all comes down to those critical three to five years.”
I am not sure who said this, but whoever did has clearly never made big money — or believes that a few hundred thousand is big money.
The truth is, my most genuine conclusion, as Master Chi, is this: making big money has always been a process of climbing steps, one at a time.
As long as you keep upgrading your understanding along the way, making big money is a matter of three years, five years, ten years, fifteen years, twenty years, thirty years, forty years.
Throughout this process, you will accumulate more and more knowledge and resources. Step by step, you will come to understand the operating patterns of the middle class, the upper middle class, the small asset holders, the near-asset class, and the truly privileged.
Of course, the prerequisite is that you must be genuinely hungry to learn and have sufficient insight.
And throughout this process, you must not let desire lead you by the nose into territory that far exceeds your ability to manage. If you hold that line, not only will you earn this wealth — you will be able to keep it.
7 - That said, speaking honestly: in today’s era, the truly happiest group is not the top-tier billionaires visible on the surface, nor the powerful figures operating quietly from the shadows.
It is the genuine middle class, in the most meaningful sense of the word. In practical terms: a family with one or two properties in what are called the “4+7” cities (China’s second-tier and key third-tier cities under national urban development policy) or provincial capitals, where the couple has a harmonious relationship and relatively stable jobs.
Why?
Because the overall sense of happiness in such a household is genuinely the highest of all. As long as they avoid pushing their children relentlessly, affairs, and risky business ventures or investments — stay conscientious at work and willing to put some effort into maintaining relationships with their superiors — and hold onto two key things: first, risk awareness; second, the right mindset.
Then simply tell yourself honestly: our family, in this lifetime, is not chasing great wealth or status. Our ultimate goal is to run our household well, avoid waste and extravagance, and keep greed at bay.
Within the family, don’t put unrealistic pressure on each other. Don’t push the children relentlessly. Just do your best in everything, and embrace whatever outcome comes naturally.
Honestly — this kind of family is truly the most optimal configuration for life in today’s environment.
And it is precisely these families that, as long as they hold steady over the next couple of years and then wait for one or two opportunities to gently ride the tide of the times, are most likely to advance their wealth quietly and with ease.
8 - As a closing note, I will also leave you with a reflection from Master Chi over these past few days: in today’s world, don’t feed yourself too much melodrama on the inside. Don’t let the pessimism and disappointment of those around you infect and amplify your own.
Just keep walking forward, seriously and steadily — and the ending will inevitably be the best it can be.
Especially from the perspective of destiny reading: every hardship, every rocky stretch, every pain and detour you have experienced in life is, at its core, simply part of the journey. As long as you dare to keep moving forward with your head held high, there will inevitably come a day when you break through.
I also hope you understand this: if you have made up your mind to have me analyze your destiny pattern — then please prepare yourself mentally. Because I speak only the sharpest, most clear-eyed, most direct advice your pattern calls for. Even if my words cut like a surgical blade, I will still speak without reservation.
After all, in your entire life, no noble benefactor has ever spoken to you with such words from the depth of their heart, to illuminate the road ahead.
I will lay out every weakness and flaw you carry, clearly and completely. I will also spell out your optimal path in life, your wealth fortune, your noble benefactors, and your romantic destiny.
So I have only one requirement of you: you must be strong enough to withstand the most incisive criticism, and open enough to take in the most clarifying, total-picture analysis.