10 reasons why you can’t save money

Have you ever felt like no matter how hard you try, you just can’t save money? Do you feel like, every time you try to take a step forward in your financial goal, you get hit with an unexpected expense that sets you three steps back? I believe this problem is common for most people. I am going to identify ten of the most common reasons based on your Day Master in your Bazi chart why you can’t save money.




The Day Master (DM) is the most important reference point for Bazi analysis. This is basically your day of birth. It denotes your basic nature and character. In the chart, it is the element in the heavenly stem of the Day Pillar. There are ten DMs in Bazi which can explain why there are 10 reasons why you can’t save money. Please print your Bazi Chart here.

10 reasons why you can’t save money based on your DM –

  1. Yang Wood – You cannot save money because of your bad habits like gambling, alcohol, smoking, womanizing, shopping, and other addictions.
  2. Yin Wood – You are too nice. You tend to give breakfast, lunch, or dinner treats to your friends. You want to be seen as nice and generous.
  3. Yang Fire – You lack financial support.  You are the sole breadwinner of your family or earn the highest pay amongst your brothers and sisters. You ended up having to pay for most of the family expenses.
  4. Yin Fire – You like to keep upgrading your things. Buying the latest gadgets, handphones, new cars, watches, handbags, shoes, etc..
  5. Yang Earth – You like to procrastinate in your savings, investments, and payment of bills. By delaying in paying your credit bills, housing loans, car loans, you also end up paying late penalties and interests.
  6. Yin Earth – You are not motivated to save because you feel stable, safe, secure, enough and are in a comfort zone.
  7. Yang Metal – You are afraid of money as you think rich people have done something bad to get rich. Your subconscious mind is telling you that if you are rich you will be doing something bad.
  8. Yin Metal – You always compare yourself with others. if you see your friend bought a new car you also do the same.
  9. Yang Water – Saving is lame. You believe in fast money and high return. You prefer to get a higher return by investing or starting a business than savings. You may end up with no savings if your investment or business fails.
  10. Yin Water – You do not have any financial goals. You spend on what you enjoy now and do not have any strategy or specific financial goal for the future.

I hope that once you know the reasons why you can’t save money, you will be more aware of how your hard-earned money flows out and will find ways to stop or reduce them from flowing out further.  However, I believe that increasing your income is a better way as no matter how much you save you cannot beat inflation. Please read “How to increase income in 2022”

If you want to get your personalized Bazi report on your career, wealth, relationship, and health you can click on this link finding out what your chart means.

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