Wu Qu in the Happiness Palace is often reduced to a claim about saving money. That skips the palace distinction. This palace can frame security and the ability to rest; the Wealth Palace is where actual income and cash are checked. One person may have steady income but still worry about losing a buffer. Another may have irregular income and genuinely need more reserves.
Keep two simple records: cash coming in and out, and hours available for recovery. Compare the stars sharing the palace and the relevant transformations before drawing a conclusion. Hua Lu does not guarantee that money stays. Use the chart to locate the question, then use the records to decide what needs to change.