J O E Y Ya p ’ s

money luck
the step-by-step bazi guide

to become luckier with money

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Cultivating Financial

Empowerment

Journeying from Savers to Investors

Embarking on a transformative journey begins with understanding whether you

identify as a Saver, Spender, or Investor. Armed with this knowledge, you hold the

key to redefining your relationship with money and enhancing your financial well-

being. The ultimate aspiration lies in progressing from the realm of Savers to the

realm of Investors, where the true potential of money awaits.

Through self-awareness and deliberate decision-making, Savers can evolve into

Investors, harnessing the power of calculated risks and long-term wealth creation.

It involves shifting from a mindset solely focused on accumulating savings to one

that prioritizes strategic investments and maximizing returns. By expanding their

financial horizons and diversifying their portfolio, they open doors to new

opportunities and potential prosperity.

This transformation recognizes the significance of both the Saver and the Spender,

as becoming an Investor requires skillfully balancing the art of saving and spending

wisely. It demands a delicate equilibrium between financial security, embracing

life's pleasures, and taking calculated risks to fuel growth.

Embrace your financial persona, whether you lean towards being a Saver, Spender,

or Investor, and let it guide you on the path to financial empowerment. With

determination and a willingness to evolve, you can redefine the meaning of money

in your life, progressing from Savers to Investors and unlocking the true potential

of your financial journey.

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Cultivating Financial
Empowerment

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JOEY YAP’S
THE 3 MONEY 天
HEAVEN

REALMS OF
BAZI
地
EARTH

人
MAN INVESTOR

SPENDER

saVER

yOU NEED TO BE HERE

How to think like on
How to act like on
How to become like one

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SAVERS

SPENDERS

INVESTORS

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JOEY YAP’S
THE 3 MONEY
REALMS OF
BAZI THE SAVER
Meticulous planner, savings in their care,

Building a fortress for financial preparedness.

Risk-averse, they seek stability's embrace,

Patiently accumulating wealth for future grace.

In the realm of caution, they find solace,

人
MAN
Crafting budgets, protecting their financial space.

Yet, low-risk choices may hinder their gains,

Inflation erodes, potential growth it restrains.

Finding balance is key, in risk and reward,

To ensure their savings flourish, their future secured

saVER

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JOEY YAP’S
THE 3 MONEY
REALMS OF
BAZI
地
EARTH

SPENDER

THE SPENDER
In the moment they thrive, seizing delight,

Savoring life's pleasures, colors shining bright.

Prioritizing joy, experiences they unfold,

Leaving financial worries momentarily untold.

From travels to treasures, their happiness swells,

Sharing abundance, life's stories they tell.

But overspending can lead to debts untold,

A fragile balance to maintain, as risks unfold.

Responsible choices must steer their desires,

To sustain their lifestyle, the flame never expires.

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JOEY YAP’S
THE 3 MONEY 天
HEAVEN

REALMS OF
BAZI
INVESTOR

THE INVESTOR
Master of markets, strategic and keen,

Navigating risks, aiming for wealth unseen.

Diverse portfolio, calculated moves they make,

Maximizing returns, a long-term vision they take.

Analyzing data, spotting trends with precision,

Embracing knowledge to guide their investment decision.

Amidst market storms, they find opportunities bright,

Harnessing volatility to reach new heights.

Their courage rewards them, as markets unfold,

Gaining fortunes, turning silver into gold.

Balancing risk and reward, they march with grace,

Creating wealth and a prosperous embrace.

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Joey Yap’s
Discovering Your Optimal
Money Role Through The
5 Elements in BaZi

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Joey Yap’s
Discovering Your Optimal
Money Role Through The
5 Elements in BaZi

Most Challenging, But Most Challenging, but

Element Best Suited Job Nature Best Suited Industry
Rewarding Job Nature Rewarding Industry

Education,
Administration, Entrepreneurship, Technology, Tech Star-
Wood Environmental, Social
Teaching, Planning Leadership, Innovation ups, Management
Services

Sales, Marketing, Public Design, Creativity, Hospitality, Advertising, Fashion

Fire
Relations Artistic Endeavors Entertainment, Retail Art

Management, Human Research, Analysis, Real Estate, Agriculture, Science, Finance,

Earth
Resources, Logistics Detail-oriented Work Construction Consulting

Communication, Manufacturing,
Finance, Accounting, Financial Services,
Metal Negotiation, Engineering,
Strategy Investment, Law
Networking Technology

Information
Research, Analysis, Emotional Support, Medical, Psychology,
Water Technology, Shipping,
Problem-solving Empathy, Counseling Social Work
Healthcare

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consent from Joey Yap Research International Sdn. Bhd. is prohibited. All rights reserved
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