He told me that he was already a millionaire in his late 20's during his yi-wei LP. Everything seems to work for him then and earning money was really easy. In his yi-wei LP, his wealth star yi was protruding and there were multiple chou-wei clashes that released his wood wealth stars from the storages of wei.
Moving into jia-wu LP, he continued to ride on his good luck as the protruding jia wood is his wealth star. He moved out of the negative industry and operated a successful mini market in this jia-wu LP.
Suddenly, he ran out of luck in the gui-si LP and lost everything due to bad investments and speculations. What happened in this gui-si LP? A strong DM does not want to meet more self stars. Meeting self stars means losing money. In this gui-si LP, there are 2 sets of si-you-chou metal frame that transform into metal stars supported by the you month branch and lured by the xin star in the year stem. Really bad!
One bad LP can cause us to lose everything. Knowing our bazi's can really give us an advantage and save us from losing everything. However, I believe that you need the Heaven's blessings in order to know of the impending danger.