Chen, Xu, Chou and Wei are the four storage branches. When the element your Day Master controls sits in its storage branch among your Four Pillars, with a Wealth Star hidden inside, you have a Wealth Vault: money keeps, and the door opens when a Luck Cycle or an Annual Luck clashes the vault. The calculator tells you whether you have one and in which pillar.

Both are the element your Day Master controls; the difference is polarity. Opposite polarity is Direct Wealth: steady, earned, like a salary. Same polarity is Indirect Wealth: opportunity income, fast, like project fees, investments and windfalls. Most charts hold both; what matters is which one shows in the stems and which one has roots.

Strong Wealth Stars and a weak Day Master — the classics call it 'a poor man in a rich house': money is visible but hard to hold, and the test is capacity. It describes a structure, not whether you will have money; Resource and Peer cycles enlarge the vessel. In the calculator it is the Vessel type.