Looking for Hua Lu in the Wealth Palace alone can miss how money is earned, delivered, and collected. A four-palace worksheet makes the reading inspectable.
Build the table
Start with the Wealth Palace, then mark its opposite palace and two trine palaces on the actual chart. Give each column the palace name, main and supporting stars, transformations, and one practical question. Label whether the entries are natal, decade, or annual. Do not mix chart layers without saying so.
If Wealth has Hua Lu while Career has Hua Quan and Travel has Hua Ji, the useful question is not simply whether the person is lucky with money. Ask who delivers the work, whether outside clients pay on time, and whether the larger responsibility has a matching fee.
Add a reality column
Record actual income sources, payment dates, contract terms, and expenses. A freelancer may have sales but no cash because invoices are unpaid. A salaried worker may build savings steadily without a dramatic Wealth Palace signal. Managing a company budget is not the same as owning that money.
Use the table to check structure and contradictions, then compare it with cash flow and legal ownership. It is a reading method, not a numerical fortune score.