In the past, I often told people that a person's fortune in life,
down to every single bit of food consumed, is already predestined at birth and governed by
unseen and pre-existent natural laws. I also commented, however, that truly remarkable men
or sages are able to transform their fates by dedicating their lives to the service of the
Heart of the Universe and mankind. I recognize predestiny, but also that predestiny can be
altered through great transformative power. In my view, fatalism exists, but creative
living also exists. To gain a clear understanding of the karmic causes behind fate and how
fate can be transformed by one's mind and actions, one may refer to the book, The Four
Essays on Karma.
I once did a feng-shui reading for an impoverished student who later
presented to me fifty Taiwanese dollars [then about U.S. $1.50.] His house was built of
rocks and mud, reeked of a putrid stench, and was located in a riverside slum.
After scanning the inside of his house, I noticed light emerging
from a small hole in one of the walls. As I gazed, that small hole grew surprisingly large
to reveal several hundred people packed inside, all of whom wore large hats and were
neatly dressed in expensively embroidered purple gowns. Everyone appeared to be very
spirited and energetic.
Taken quite aback by this scene, I asked the student, "What is
your relationship with the local earth god?"
"No relationship at all," he answered.
"Really?" I asked again.
"Really," he continued, "I have never paid homage or
made offerings to him."
Gazing at the student, I could not think of an explanation for the
scene I had just seen.
Finally, remembering something, he said, "If there were
anything, perhaps it was what happened that one rainy day while I was passing by the local
earth god's shrine, which is under the big tree by the foothill. Some roof tiles of the
shrine had been cracked, and water was dripping onto the image of the local earth god. I
felt bad about that and, after I got home, I took a few good tiles, returned to the
shrine, and replaced the broken tiles. That was all!"
I told the student, "You are going to make a fortune."
"What kind of fortune?"
"Your fate has been changed and you will become a rich
man," I said.
"A rich man? Grand Master must be kidding!" He was elated.
I spoke seriously to him, "You will definitely become rich, as
I have predicted. Just work hard on your business."
This student had a sideline business at his home, assembling by hand
small electronic parts, specifically coils. Later on, after receiving a big order, he
asked other families in his neighborhood to join in his "electric coil" cottage
industry. Subsequently, as his products became more improved and refined, his business
grew and orders kept coming at a steady flow. He made his first investment by purchasing
some riverbed land, which was later converted into construction land when the course of
the river was suddenly redirected. In a few short years, he became the owner of two
factories and a large piece of land. He also went into the construction business by buying
more land and building homes. Everything went smoothly for him. He is now a very rich man.
According to my knowledge, this student's original fate was to live
an impoverished life. As luck would have it, he received invisible help from the wealth
deity and thus became a rich man.
I, Living Buddha Lian-sheng, am a person whose spiritual eyes have
been awakened. With the hundreds of rich men I have met, I have observed that they are
surrounded and attended by invisible "wealth gods" who help transport money to
their homes. Although local earth gods are minor gods of the earth and are "yin
spirits," they are also in charge of the dispensing of luck. Their rank in the
spiritual hierarchy may be minor, but their collective power becomes significant when
considered as a group.
I have also met quite a few rich men who received help from
"wealth ghosts" around them. As in the Chinese folk saying, "the Five
Spirits are transporting money home," one becomes rich through the agency of ghosts
and gods. Poor people, on the other hand, do not just suffer from a lack of having
attendant "wealth gods and ghosts," they are sometimes even visited by "bad
luck ghosts" and "debt collecting ghosts," and so consequently become
poorer and poorer.
Among the many "wealth deity" practices found in
Tantrayana, I have taught the following: the Yellow Jambhala, the Green Jambhala, the
White Jambhala, the Black Jambhala, the Red Jambhala, the Treasure Deva King, the Treasure
Source Heavenly Mother, the Money Tree practice, and the Dragon King Treasure Vase
practice. To my knowledge, Yellow Jambhala is the richest deva in the realm of heavens,
while the Dragon Kings are the richest in the ocean territory.
Esoteric wealth practices exist because some practitioners of
Tantrayana are very poor, and the lack of financial resources prevents them from
concentrating on the spiritual path. These wealth practices are thus skillful means
devised to help the practitioners obtain money so they can devote themselves to spiritual
practices without worrying about money down the road.
Moreover, I feel that, as people throughout the world are all aware
of the importance of money and everyone wants to make more money, the creation of wealth
practices in Tantrayana serves to entice people into the practice of Buddhism and Taoism.
After people's interest in doing meditation is generated through these wealth practices,
they will go on to the next step of true Buddhadharma practices, which aim at world
Also, after obtaining great profits through the wealth practices,
one should vow to donate most of the money to charity. This will plant more seeds in the
field of merits, and ensure the continuation of the cycles of good fortune to come.
In the Sutralankara-sastra are the following verses:
Now you tell yourself,
no fruits arise where no seed has been sown.
Without the seeds of generosity in your past,
how can you harvest the fruits now?
Although you are now laboring hard,
and sacrificing meals to make offerings to me,
you are toiling in vain,
and also disturbing and annoying me.
What can you do to benefit yourself?
If you desire wealth, wife, and family,
you should purify your body and speech,
and carry out acts of charity.
If harvests can happen without sowing,
then the sun, moon, and stars should stop shining,
as their illumination over the world
attests to karma.
Differences also exist
among different levels of heavens;
great merits give rise to great power and virtues,
lesser merits lead to lesser power and virtues.
Thus you know everything in the world
is a result of karma.
"Generosity" brings wealth,
"Morality" brings rebirth in the heavens.
Without the seeds of charity,
power and virtue are weakened and destroyed.
"Meditation and wisdom" lead to liberation.
The rewards of these three actions
manifest as the ten transcendental powers.
As these actions are seeds of great harvests,
do not disturb and annoy me,
but start practicing these meritorious acts,
so as to reap all fruits of auspiciousness.
From these verses, we realize that: 1) Generosity and charitable
acts are the seeds of fortunes. 2) Morality leads to rebirth in the heavens. 3) Meditation
and wisdom lead to liberation. 4) Karma exists. In modern day parlance, "one reaps
what one sows!"
Many people have asked me how they could perform charitable acts
when they themselves are practically broke. My response is that charity exists in many
forms and is not limited just to the giving of money. Teaching others about the Dharma and
the transcending of fears, persuading others to do good deeds, and committing oneself to
at least one good deed a day are good examples of charitable acts. Do whatever you can to
help others. Also, perform charity with kindness in your heart. A single thought of
kindness can transform a negative situation into a positive one. As long as one acts out
of good will, one is being generous.
Wealth god practices generally share many common features and follow
1) Purification Mantras 2) Great Homage 3) Mandala Offering 4)
Fourfold Refuge Mantra 5) The Four Immeasurable Vows 6) Armor Protection 7) Visualization
(with mudra) 8) Mantra Chanting 9) Samadhi 10) Dedication of merits 11) Affirmation of
auspicious completion of practice.
I would like to especially emphasize that, as different wealth gods
have different likings, the secret of wealth god practices lies in making the right kind
of offerings. Very simply, the White Jambhala has a special liking for
"bathing," so "bathing water" is the best offering for the White
Jambhala. If one also generates the thought of offering "celestial maidens" to
help bathe the White Jambhala, it would be even more excellent! As long as the wealth god
is appeased, one will definitely receive some gain in return! (One may refer to my work, A
Complete and Detailed Exposition on the True Buddha Tantric Dharma, for a complete
explanation on how to perform the above liturgical steps for the esoteric wealth god
practices.) Also, as a rule for all Tantric practices, one must first take refuge and
receive empowerment before doing the practice.
The Five Spirits Wealth Practice introduced here was transmitted to
me by Rev. Liao Ming [Taoist Master Ching Chen.] Although it is a very simple wealth
practice, it can guarantee a lifetime of success wherever one goes.
1) Draw a Five Spirits Fu [magic inscription] on a yellow piece of
paper. See diagram.
2) Locate inside a small room the wall with the "money
spot," for having the highest accumulation of chi in that spot.
3) Paste the yellow paper on the wall, and set up in front of the
wall a shelf for offerings such as flowers, incense, a lamp, tea, fruits, and other
vegetarian or non-vegetarian foods.
4) Consult a Chinese lunar calendar and pick a day marked with the
Chinese character "hsu" at the beginning of a new (lunar) year. On that day, set
up the shrine and start praying.
Mudra --- Use the Wish-fulfilling Mudra, in which the right hand is
extended, palm up, and placed in front of the chest, as if one is begging.
Visualization --- The mudra enlarges to hold gold, silver, jewels,
cash, cars, houses, etc.
Mantra --- Om, mo-to, sam-man-do, hum (108 times.)
Prayer --- I respectfully invite the Five Spirits of Cao Shi, Zhang
Si, Li Jiu, Wang Ren, and Zhu Guang to quickly accompany me, bringing gold, silver, and
jewels to my home, and helping my career and business to expand wherever I go. I invoke
them with gratitude, may the Five Spirits appear rapidly to fulfill my wishes.
6) Everything is auspicious and complete. [This affirmation is
chanted at the end of the practice.]
Practitioners of the Five Spirits Wealth Practice should constantly
keep in mind the names of the Five Spirits, and chant their names at critical times, for
example, during business talks, contract signing, debt collecting, and when one opens
one's store or business at the beginning of each day. (It is best to make offerings to the
Five Spirits on the days marked by "hsu" and during the period from 11 p.m. to 1
Remember the names of the Five Spirits and do the invocation with a
focused mind. Use clean offerings. The practitioner should shower first and change into
new clothing before doing the practice. During the practice, try to discard mental
chatterings and keep the mind concentrated. With sincerity and skillful practice, the Five
Spirits will appear to help one.
This Five Spirits Wealth Practice is also known as the Five Spirits
Attending Practice, or Five Spirits Transporting Practice. Unseen by the physical eyes,
the Five Spirits render help to the practitioner.
It would take up several volumes if I were to write in detail about
all of the wealth god practices. Listed below are the ten important points pertaining to
wealth god practices that the practitioner needs to remember:
1) The liturgies must be complete.
2) Make offerings according to what the wealth god likes.
3) If one sees the wealth gods during dreams, meditations, or waking
consciousness, remember to "form an alliance" with them.
4) Do the practice with a focused and pure mind.
5) The visualizations have to be clear.
6) The more times one chants the mantra, the better (one hundred thousand
times, one million times, or ten million times.)
7) One should not do the practice just because one has the practice text.
In all Tantric (esoteric) practices, one must first take refuge in the guru to
receive the empowerment and blessing necessary for a successful practice.
8) Pray to the Root Guru to transmit the secrets of the practice to one.
9) Make a vow that the money obtained through wealth practices will not
be used solely for one's enjoyment, but that one will donate a major portion
of the money to undertakings that help bring more sentient beings to
realization and Enlightenment.
10) The most important point is to make the wealth gods like you.