Direct Wealth is the Ten Gods that the Day Master controls and differs from it in Yin-Yang polarity; it represents legitimate income, spouse (for males), and wealth acquired through diligence. As the fundamental source of sustenance, Direct Wealth in one's chart indicates a diligent, pragmatic, and financially prudent nature, with stable financial fortune throughout life—yet may also lead to excessive conservatism and lack of adventurous spirit.
Based on the Day Master’s Heavenly Stem, identify the Heavenly Stem representing the element controlled by the Day Master and differing in Yin-Yang polarity. For example: Jia Wood Day Master encountering Ji Earth constitutes Direct Wealth; Bing Fire Day Master encountering Xin Metal constitutes Direct Wealth.
For a Jia Wood Day Master with the Day Pillar Jia-Chen, the Earth Stem Ji in the Day Branch represents Direct Wealth, indicating a virtuous spouse and stable marital life.