A common startup arrangement sounds simple: one person provides the money and the other provides the customers, staff, and operating skill. The conflict begins later, when funding is treated as automatic control or operating authority is treated as ownership of every dollar that enters the company.
Zi Wei Dou Shu separates the issues. The Wealth Palace describes your capacity to fund and absorb risk. The Friends Palace describes the quality of partnership. Hua Quan shows where decision-making power naturally gathers. None of these signals replaces a shareholder agreement.
Decide How Much Capital Can Actually Be at Risk
Lu or supportive wealth stars can make investment easier to carry, but they do not justify putting household reserves, tax money, and operating capital into one pool. The first financial question is the maximum loss the investor can survive without damaging the rest of life.
A friendly partnership cannot repair an underfunded personal position. If the Wealth Palace is strained, use milestones, smaller tranches, or outside financing rather than expecting goodwill to shorten the time between spending and revenue.
The Friends Palace Describes Cooperation, Not Ownership Percentages
Supportive stars in the Friends Palace can help people coordinate and earn together. Sha, Kong Jie, Hua Ji, or Ju Men can expose conflict, missing results, and expensive arguments. These indicators describe the relationship under pressure; they do not calculate a fair cap table.
Example 1: Lu in your Wealth Palace and Hua Quan in the partner line can support a structure where you cap the budget while the other person manages daily operations. Purchases above a stated amount can still require two signatures.
Turn Natural Authority Into a Written Permission Map
A partner carrying Hua Quan may genuinely be better at hiring, pricing, negotiating, and making fast calls. Use that strength by defining which decisions are independent and which require consent. Hiring limits, debt, contracts, related parties, and access to bank accounts deserve separate rules.
Example 2: Ju Men, Hua Ji, or loss stars in the Friends Palace call for limits on guarantees, related-party payments, and money collected through personal accounts. This does not accuse the partner of fraud; it removes avoidable blind spots before stress arrives.
Salary, Profit, and Dividends Are Different Money
The operating partner may earn a salary for daily work. Equity compensates both parties for ownership risk. Dividends depend on available cash after expenses and reserves. Combining all three creates resentment because labor and capital are measured by different standards.
A workable agreement also covers reporting access, new funding, deadlocks, and exit rights. The chart identifies where strain is likely to collect; documents and accounting controls determine whether that strain destroys the business or remains manageable.
Practical Reading Order
Read the investor's Wealth Palace first to set a safe funding limit. Examine the Friends Palace for cooperation quality and locate Hua Quan to understand operating authority. Then write a permission map, separate salary from ownership returns, and define reporting, new capital, guarantees, and exit. Use timing only after the controls are clear.