JY Money Luck Notes

J O E Y Ya p ’ s
money luck
the step-by-step bazi guide
to become luckier with money
Exclusive Notes
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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
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
SAVERS
SPENDERS
INVESTORS
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
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.
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.
Joey Yap’s
Discovering Your Optimal
Money Role Through The
5 Elements in BaZi
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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J O E Y Ya p ’ s

to become luckier with money

Journeying from Savers to Investors

Embarking on a transformative journey begins with understanding whether you

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

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

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

that prioritizes strategic investments and maximizing returns. By expanding their

opportunities and potential prosperity.

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

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

of your financial journey.

worldwide. Copyright © 2021-2023 by Joey Yap Research International Sdn. Bhd. |

yOU NEED TO BE HERE

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,

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

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.

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.

Most Challenging, But Most Challenging, but

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

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

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