Money and Wealth in the Horoscope (Natal chart)

What distinguishes the birth chart of a millionaire from that of someone living in poverty? Is it possible to see wealth in a personal horoscope, or are we all born with the same financial potential?

Of course, every person is endowed with unique predispositions, inclinations, and talents. It is precisely these innate abilities that motivate a person toward certain types of activities. The financial potential of the horoscope (i.e., the individual’s ability to earn a living) is primarily described by the Second House. This House is also responsible for a person’s talents and abilities.

There are few millionaires in the world. Far more people have average, typical earnings. This suggests that wealthy individuals possess certain rare abilities that, once consciously developed and mastered, eventually bring material success.

But perhaps every one of us has a hidden potential in our birth chart, waiting to be revealed? What if a person could recognize and unlock all of their talents? The horoscope and the knowledge of astrology help a person identify the most optimal field for applying their efforts, solve pressing financial issues, and achieve material well-being.

The Financial Houses of the Horoscope

To determine whether a person will be wealthy or poor, it is necessary to analyze the financial houses of the horoscope. These include:

• – the 2nd House;
• – the 8th House.

The Second House, as previously mentioned, not only symbolizes the financial circumstances of the native but also their inborn talents. These abilities may be well-developed or, conversely, remain untapped. The richer and more potent the Second field of the radix, the more opportunities a person has for self-development and both spiritual and material enrichment.

The Eighth House of the radix speaks to the degree of financial support the native receives from others. The person may not earn money independently, but rather be fully supported by a spouse or other family members. People with a strong Eighth House often live off interest, receive subsidies, or are cared for by others. The native may inherit significant assets and manage other people’s property.

Thus, the level of income is determined by the following factors:

• celestial factors (what is granted to the person by nature or the cosmos);
• earthly factors (the native can consciously develop their abilities, or, on the contrary, neglect this development).

The renowned British astrologer John Frawley, in his book “The Real Astrology in Practice,” quotes the classification of Jean-Baptiste de Vilfranche. In addition to the Second House, Vilfranche also includes the Sixth and Tenth Houses among the houses of acquisition.

The Sixth House indicates living beings owned by the native (such as animals and hired staff), while the Tenth House points to the potential for non-material acquisitions—namely, fame, popularity, authority, and high office.

Other Financial Indicators in the Horoscope

But analyzing only the financial houses is not enough. It is important to see the overall picture of the horoscope, which reveals the person’s orientation, desires, and aspirations. For example, if the majority of planets in the native’s chart are in Air (and Fire) signs, the person is unlikely to amass great riches. Such an enthusiast is more attracted to intellectual development. In this case, we are speaking more about spiritual wealth, which is also a value. However, most people set their sights on material wealth, and those with a predominance of Earth (and Water) elements in the chart are generally the most successful in this regard.

A person with a weak Moon in Capricorn will economize even on essentials—food and necessities—while a native with a tense aspect between Venus and Jupiter will squander their wealth, spending vast sums on entertainment and pleasure.

John Frawley also recommends analyzing the placement of the Lot of Fortuna (Pars Fortunae) when assessing wealth. To calculate this point independently, one must know the zodiacal degrees of the Sun, Moon, and Ascendant. Modern astrological software and online services make this task much easier.

The zodiac sign and House in which Pars Fortunae is located can indicate the areas of life where the native is likely to experience the greatest fortune. These blessings may be spiritual or material. The planet ruling the sign and its placement can also serve as a reliable indicator of the native’s financial well-being.

Thus, to gain a complete understanding, one must study the natal chart holistically, not limiting the interpretation to the Houses of money. A financial horoscope involves analysis of many factors, and the planets play a crucial role in this study.

The Planets of the Horoscope and the Theme of Finance

Different astrologers may include various planets among the financial planets, but in practice, none should be disregarded. Every planet is related in some way to the topic of money.

The Sun is associated with gold, while the Moon corresponds to silver. In ancient times, precious metals served as the metric of value, clearly demonstrating a person’s solvency, functioning as a reliable means of exchange and securing material stability in both state and world affairs.

Mercury is the planet governing commerce—and wherever there is trade, there are earnings.

Venus symbolizes abundance and wealth. If this planet is prominent in the chart, the person is drawn toward stability and the acquisition of well-being. They desire a beautiful life, fine food, and enjoyment of simple earthly pleasures. This becomes the driving force behind their hard work and the stimulus for substantial earnings. Such individuals are often highly talented. Their continuous mastery and success in creative pursuits lead to material achievements and the accumulation of wealth.

Mars is the planet of enterprise and energy. This luminary helps entrepreneurs compete in the market, conquer new territories, and achieve their business goals.

Jupiter is associated with a high standard of living and privileged status. People with a well-expressed Jupiterian principle in the radix are not used to settling for less. They deserve the best, and the best comes at a high price. Such a person is accustomed to earning well and spending freely.

Saturn, though considered the planet of hardship and deprivation, nevertheless rewards regular efforts and daily hard work in a chosen direction. A person with a strongly expressed Saturnian principle does not live extravagantly. They are frugal and even stingy, but always have something put aside for a rainy day. Strict economizing and the ability to be content with little help them accumulate enough for real estate purchases. This planet is connected with land and property.

Uranus is perhaps the most immaterial planet. However, its favorable aspects bring unexpected gifts to the native, while negative aspects can provoke sudden financial losses. If Uranus is especially significant in a person’s birth chart, they tend to treat the topic of money playfully. If interested, they quickly find new sources of income—often where others have not even thought to look—and then spend their earnings on intellectual development.

Neptune and Pluto are financial planets symbolizing both material and spiritual riches. They indicate the person’s resources, which are not always consciously recognized. Individuals with strongly expressed Neptunian and Plutonian principles are well-provided for, but do not necessarily feel the need to keep track of their income, expenses, or losses.

Traditional Astrology and Wealth

How can one make use of this knowledge about the planets? Traditional astrology offers the main guidelines for analysis. In a personal horoscope, it is necessary to identify the most significant luminary based on the following parameters:

• – the planet with the greatest essential strength in the chart,
• – the luminary with the richest and most favorable aspects;
• – a planet in an angular House (preferably a benefic).

If a planet satisfying all these criteria is found and it influences the affairs of the Second House (for example, as its ruler), then it will be the most stable and reliable source of income for the native.

For example, in a natal chart where Venus rules the Second House, Venus is a benefic planet. In this case, Venus is placed in Libra, situated in the Seventh House, and has five aspects with other luminaries, most of which are harmonious. Naturally, a native with such a Venus will be exceptionally fortunate in financial matters. Without a doubt, their material status can be called prosperous. Income comes through contractual, creative, and intellectual activities, as well as through cooperation with artists, diplomats, lawyers, and so on.

On the other hand, a person with a weak, afflicted, or malefic planet influencing the Second (and Eighth) House will be in a far less favorable position. If the native’s cusp of the Second House is in Capricorn, and the ruler of this sign is in the Eighth House, and the luminary is weak by essential dignity (for example, Saturn in Cancer, Aries, or Leo) and poorly aspected, then this will be the cause of the native’s poverty and financial limitations. Such a person should not invest in real estate, agriculture, construction, or gardening. It is better to choose an activity associated with another, more fortunate element of the Second House.

In this context, it is worth mentioning an interesting example from the famous seventeenth-century English astrologer William Lilly’s “Christian Astrology.” In the chapter “Judgments Concerning the Second House. Of Riches,” he analyzes several astrological factors affecting the Second House of an English merchant’s chart. Some of these factors are more favorable, while others should not be relied upon.

For instance, Lilly considers Saturn in Taurus, the ruler of the House of Money, to be a cornerstone of the native’s well-being. Saturn “shows the native gathering wealth through pastures, cultivation of land, mines, minerals, coal, and other earthly materials extracted from its depths.”

At the same time, other astrological factors indicate the likelihood of unfavorable outcomes in matters related to inheritance, due to forged documents, litigation, and testimony against the native. Here, the astrologer, analyzing the circumstances of the financial House, makes a very specific judgment that the native should not place too much hope in inheritance. The native’s wealth will be ensured primarily through “his own labor, travel, and ingenuity.”

Features of Planets as Indicators of Wealth and Financial Well-Being

So, which planets can be considered sources of financial well-being and wealth? The luminaries connected to the Second House of the horoscope and possessing essential dignity will guarantee the native’s material success. Even if this planet experiences some afflictions from other luminaries, the person is unlikely to face total bankruptcy or financial ruin.

Ideally, a strong planet ruling the House of Money should have both harmonious and challenging aspects. Financial losses experienced under negative aspects will motivate the native to recover lost ground and earn more in the future, while benefic aspects will grant favorable financial opportunities, help preserve accumulated wealth, and facilitate profitable investments.

Planets in Signs of Their Dignity

Let’s consider some examples of planetary placements in the financial houses that promise financial strength and power. The most fortunate in financial matters are those with benefic and essentially strong planets as elements of the Second House.

For instance, Jupiter in Cancer will provide the native with a good education, which becomes the foundation for future success. The native may become the owner of property both at home and abroad. The greatest income comes from teaching, medicine, legislation, or publishing. Import and export of goods, any international projects, cooperation with foreigners, and trade in valuable items all promise good profits.

A native with Jupiter in Cancer in the Second House does not settle for little. When shopping, it is either in the best local stores or abroad. As for daily needs, the native does not deny themselves anything. Their earnings allow them to provide for themselves and their loved ones, and, if necessary, to donate to charity.

A strong Sun in Leo influencing the affairs of the Second House also symbolizes success and good fortune in financial matters. The native has many precious and expensive jewelry items. Such a person enjoys receiving gifts of gold and diamonds and treats themselves to products from famous brands. Everything this person acquires must be of VIP class. As a result, outward polish and the ability to present themselves well quickly lead to high status, privileged position, and a good income.

A native with a strong Sun significantly influencing the Second House does not consider themselves successful unless they possess a substantial amount of money and acquired property. For them, happiness is not only a bulging wallet brimming with gold but also the opportunity to realize themselves and their talents to the fullest.

Those with Venus in Taurus are not as ambitious or confident in their success as people with a strong Sun. Nevertheless, such a Venus brings the native considerable luck in financial matters. This person works a lot and diligently hones their skills, eventually acquiring real estate, accumulating a significant bank balance, and living in comfort. They may not shine socially or flaunt luxury outfits and expensive cars (though they do possess beautiful things worth showing off). But natives with a strong Venus most often see their dreams of a personal home, cozy apartment, country house, or garden come true.

Still, a planet in the sign of its dignity is a self-satisfied and self-sufficient luminary, content with its circumstances and not seeking extraordinary results (super-profits). What drives a native to achieve the kind of income others can only dream of? Tense aspects from other planets (especially Jupiter, Mars, the Sun, and Pluto) are the main motivation. These bring a constant concern about financial security, dissatisfaction with what one has, a desire to spend and earn more, take risks with money, and seize windfall gains.

Planets in Signs of Their Debility

Are essentially weak planets indicators of poverty and financial instability?

If Jupiter is in Virgo, Gemini, or Capricorn in the Second House, it does not preclude the native from earning money. However, an afflicted and weak planet predicts a great deal of unwise spending (for example, on education, travel, or trips). A native with Jupiter in Capricorn will miss favorable opportunities in business and, due to conservatism, may refuse projects that promise good profits.

Venus in the restless sign of Scorpio or Aries is also weak. Its native finds it difficult to accurately assess the value of things. It often happens that the native’s income does not cover expenses. Despite all efforts, someone with an afflicted and weak Venus often remains in the red.

A weak Sun in Aquarius or Libra makes a person highly creative and gifted, but unfortunately, impractical. They are willing to do a lot for others and give away their last possessions to those in need, which puts the native on the brink of poverty. Only benefic aspects to the Sun can stabilize the financial situation.

The Modern Astrological View on Wealth

Contemporary astrology recommends assessing the financial potential of the radix by analyzing the following main factors:

• – the rulers of the signs in the Second House;
• – the planets in the Second House;
• – aspectual interactions of the elements of the Second House with other Houses.

Based on these main and some additional factors, Russian astrologer S.V. Shestopalov developed the Formula for Wealth and Major Business (S.V. Shestopalov, “Business Astrology,” 2010). This formula is rather complex, which explains why not everyone can become a millionaire.

Some Other Factors in the Horoscope

Conjunctions and other aspects between benefic planets such as the Sun, Venus, and Jupiter bring luck in financial matters. Such individuals have access to more pleasures and material bonuses in life than others.

Harmonious aspects between Mars and Venus, or the Moon and Sun, make the native practical and capable of maintaining financial balance. These people intuitively understand that a loss in one area should be offset by a gain elsewhere. They are savvy about profit and invest only in truly worthwhile projects. The native avoids making large purchases with their last funds, instead choosing a more favorable period for such spending. This approach saves them from losses and bankruptcy.

A harmonious relationship between Venus and Saturn (or Venus in Capricorn) gives the chart holder thriftiness, caution, and foresight. Financial matters are always in order for such people. Income and expenses are carefully tracked in various tables, journals, and programs, making it easy for the native to summarize their financial activity. The current business situation is clear and transparent.

Conclusions

To assess the financial prospects of a particular individual, it is necessary to analyze the financial houses of their horoscope. The Second House is of primary importance. If this House is composed of many diverse elements (rulers of zodiac signs, planets), and these elements have numerous connections with other Houses in the radix, this is a reason to consider which fields of activity are most favorable from a financial standpoint.

Here it is essential to identify one’s focus and niche—the correct area for applying effort—and not to waste energy on work that yields meager returns. Proper assessment of the strength, weakness, aspects, and position of planets in the radix will lay the groundwork for future success.

Astrology tells us that the formula for wealth is rarely found in horoscopes, but each of us can find a worthy source of income and achieve financial well-being.  ✓