bhagavatam ke anusar bhog-vilas ka fal indriyon ko tript karna nahin hai, uska prayojan hai keval jivan nirvah. jivan ka fal bhi tattva jigyasa hai, bahut karm karke svargadi prapt karna uska fal nahin hai. shastriya gyan ke viprit, vartaman yug men manushya arthik samriddhi ko hi jivan ka sar aur karmon ka fal manta hai. falasvarup, vaidh-avaidh sadhnon dvara dhan sangrah karne ke lie lalayit evan prayasarat rahta hai. iska ek udaharan yah bhi hai ki jyotishiyon ke samaksh anekon jatak keval yah janne ke lie ate hain ki ham agami jivan men dhan kamaenge ya nahin aur ek bhi jatak apni adhyatmik unnati ke bare men nahin puchta. jyotishiya drishtikon se kundli men dvitiya bhav evan ekadash bhav kramshah dhan bhav aur labh bhav kahlate hain.
trikon sthan (pancham evan navam bhav) lakshmi sthan kahlate hain. janm kundli men lagn, lakshmi sthanon, dhan aur labh bhavon ke svamiyon ke bich sanbandh sthapit hone par dhan yog nirmit hote hain. iske alava kuch vishisht grahon ke bich sanbandh bhi dhan yog nirmit karte hain. kundli men jitne adhik dhan yog honge, jatak ki utni hi adhik arthik unnati ki sanbhavna hoti hai. dhan yogon ki pushti navansh aur hora kundli se bhi karni chahie. iske atirikt, shubh bhavon men nirmit yog badha rahit adhik dhanaprad hote hain. is lekh ko dhan yogon tak hi simit rakha gaya hai. rajyogon aur panch mahapurush yogon adi ka varnan nahin kiya ja raha hai.
samanya dhan yog nimn bhav/bhaveshon ke paraspar sanbandhon se dhan yog nirmit hote hain:
1) lagnesh aur dvitiyesh
2) lagnesh aur panchmesh
3) lagnesh aur navmesh
4) lagnesh aur ekadshesh
5) dvitiyesh aur panchmesh
6) dvitiyesh aur navmesh
7) dvitiyesh aur ekadshesh
8) panchmesh aur navmesh
9) panchmesh aur ekadshesh
10) navmesh aur ekadshesh gap) chandra aur mangal ki yuti (kisi bhi bhav men)
11) 2 aur 11 bhavon men shubh grah sthit hon athva 2 aur 11 ko svami do ya do se jyada grahon se sanbandh banate hon gappp) arth trikon (2, 6, 11) ke svami kundli ke shubh bhavon ke svamiyon ke sath sanbandh banate hon.
vishesh dhan yog parashar ji ke anusar:
1) nimn sat yogon men janma jatak nishchit hi dhanvan hota hai:
a. surya lagn men svarashisth ho + mangal aur guru se yut drisht ho.
b. chandra lagn men svarashisth ho + budh ya guru se yut drisht ho.
c. mangal lagn men svarashisth ho + budh shukra aur shani se yut drisht ho
d. budh lagn men svarashisth ho + shani aur guru se yut drisht ho.
e. guru lagn men svarashisth ho + budh aur mangal se yut drisht ho.
f. shukra lagn men svarashisth ho+ shani aur budh se yut drisht ho.
g. shani lagn men svarashisth ho + mangal ya guru se yut drisht ho.
2) nimn yogon men janma jatak nishchit hi dhanvan hota hai
a. yadi pancham bhav men shukra svarashisth ho aur ekadash bhav men mangal svarashisth hon.
b. pancham men mangal svarashisth ho aur ekadash bhav men (vrishabh ya mesh rashi) shukra ho to bhi mahadhni.
c. yadi pancham men budh svarashisth ho aur ekadash bhav (dhanu ya min rashi) men chandra, mangal, guru ho to mahadhnvan hota hai (not: chandra-mangal yuti bhi dhan ke lie achchi hai).
d. yadi pancham men guru svarashisth ho aur ekadash bhav men (mithun ya kanya rashi) budh ho to dhanvan.
e. yadi pancham men surya svarashisth ho, ekadash (kumbh rashi) men shani, chandra aur guru to maha dhanvan.
f. pancham men chandra svarashisth ho aur ekadash bhav men shani to bhi bahut dhanvan.
g. yadi pancham men shani svarashisth ho aur ekadash bhav men (kark ya sinh rashi) chandra aur surya ho to maha dhani.
panchmesh evan navmesh donon vishesh dhanaprad hote hanai. in donon se yukt grah apni dasha men dhanaprad hote hain. in yogon men grahon ki krurta aur saumyata ke anusar sumarg ya kumarg se dhan ka labh evan bal ke anusar alp ya adhik dhan samjhna chahie. navmesh se sanpatti gyan ka anutha prakar uttar kalamrit ke anusar dhan yogon ka nirdharan karne ke lie indu lagn (navmesh se sanpatti gyan ka anutha prakar) ka prayog bhi kiya jana chahie. indu lagn nirdharan ke lie pratyek grah ki nishchit kalaen/rashmi hain ah surya se shani ko kramshah 30, 16, 6, 8, 10, 12, 1 kalaen milti hain. lagn se navmesh evan chandra se navmesh ki kalaon ko jorakar, us yog ko 12 se vibhakt kiya jata hai. jo shesh bachta hai use janmakundli men chandra sthiti se ginakar ane vale bhav men indu lagn ko sthapit kiya jata hai. indu lagn jis bhav men sthit hoti hai us bhav ko indu lagn aur us bhav ke svami ko indu lagnesh kahte hain. yadi indu lagn rashi shubh grah yukt ho aur ashubh grah ke prabhav se hin ho ya uchch grah yukt ho ya indu lagnesh dvara drisht ho to manushya bahut dhani hota hai. pap grahon ke prabhav se bhi jatak samanya dhani hota hai. isi prakar indu lagn se kendra/trikon ke grah bhi apni dasha men jatak ke lie dhan prad hote hain.
anya dhan yog sarvarth chintamni ke anusar:
1) yadi kundli men surya se kendra (1, 4, 7, 10) men chandrama ho to dhan-buddhi alp hoti hai, yadi panafar (2, 5, 8, 11) men ho to dhanadi madhyam aur yadi apoklim (3, 6, 9, 12) men chandra ho to dhanadi uttam hota hai.
2) yadi kundli men chandrama purn ho aur chandra sthiti saptam se lagn bhav (drishya chakra) men ho to jatak raja hota hai.
3) yadi kundli men lagn se upachay (3, 6, 10, 11) men samast shubh grah hon to jatak adhik dhani, yadi do shubh grah hon to madhyam dhani aur yadi ek shubh grah ho to alp dhani hota hai.
jatak parijat ke anusar nimn yogon evan dasha men jatak dhani hota hai:
1) lagnesh lagn men, dhanesh dhan men aur labhesh labh men ho.
2) dvitiyesh evan ekadshesh ki yuti labh men.
3) dvitiyesh evan ekadshesh svakshetri uchchadi hon.
4) dvitiyesh evan ekadshesh paraspar mitra hon aur lagn men hon.
5) dvitiyesh, ekadshesh evan lagnesh lagn men hon.
6) lagnesh bali hokar dvitiya men ho to dhandayak hai.
7) dvitiya bhav men sthit shubh falaprad grah, dvitiya bhav ko dekhne vala shubh grah aur dvitiyesh, ye tinon grah apni dasha-antardasha men un vastuon se labh karate hain jinke ye karak hote hain.
faldipika ke anusar do bhaveshon ke parivartan se 28 mahayog nirmit hote hain aur jo jatak mahayog men utpann hota hai us par lakshmi ji ki kripa hoti hai:
1) lagnesh ka dhanesha/dvitiyesh, sukhesh/chturthesh, panchmesh, saptamesh, bhagyesh/nvmesh, rajyesh/dshmesh ya labhesh/ekadshesh se parivartan se nirmit sat yog.
2) dvitiyesh ka chaturthesh, panchmesh, saptamesh, navmesh, dashmesh ya labhesh se parivartan se nirmit chah yog.
3) sukhesh ka panchmesh, saptamesh, navmesh, dashmesh ya labhesh se parivartan se nirmit panch yog.
4) panchmesh ka saptamesh, navmesh, dashmesh ya labhesh se parivartan se nirmit char yog.
5) saptamesh ka navmesh, dashmesh ya labhesh se parivartan se nirmit tin yog.
6) navmesh ka dashmesh ya labhesh se parivartan se nirmit do yog.
7) dashmesh aur labhesh ka parivartan.
faldipika men uprokt yogon ke atirikta:
1) amla yog men janme jatak ko bhumi ka svami, dhani, nitigya aur yashasvi bataya hai. yadi lagn ya chandrama se dasham men shubh grah ho to amla yog hota hai.
2) lakshmi yog men janme jatak ko tejasvi aur lakshmi ji ka kripa patra bataya hai. yadi navmesh aur shukra donon apne ghar men ya uchcharashisth hokar lagn se kendra/trikon men hon to lakshmi yog hota hai.
3) shrinath yog men janme jatak ko lakshmivan, sundar, sukhi aur saras vachan bolne vala bataya hai. yadi budh, shukra aur navmesh uchch rashi, svarashi ya mitra rashi men sthit hokar lagn se kendra/trikon men hon to shrinath yog hota hai.
is lekh ke ant men kabir das ji ki panktiyan yad ati hain: sain itna dijiye, jame kutum samay. main bhi bhukha n rahun, sadhu na bhukha jay.. he parmatma, mujhe itna hi dena jismen bas mere parivar ka gujara chal jaye, main bhi bhukha n rahun aur ane vale sadhujnon ke lie bhi paryapt ho. sanbhvtah is shlok ke piche bhagavatam ka gyan ho jismen jivan ka uddeshya rin se urin hona kaha gaya hai jo tattva jigyasa ke marg par chal kar hi sanbhav hai. dhanadi to keval jivan nirvah matra ke lie hain.