Spirits and stars · Inauspicious
The exhausted position of the three-harmony group: sudden interference, money and plans cut short.
Take the exhausted position of the three-harmony group of the year or day branch: Shen, Zi and Chen see Si; Yin, Wu and Xu see Hai; Si, You and Chou see Yin; Hai, Mao and Wei see Shen.
Source: San Ming Tong Hui, spirits and stars chapter
In practice it reads as plans being interrupted by the unexpected: leave slack in your schedule and do not pack your time to the minute.
Used: it is used as an interference signal in remedy and period analysis.
Rule of thumb: these markers are read from fixed classical tables, and the scores and advice come from a separate model. Both are laid out on the site, and neither is a claim about what will happen.
Does it always mean losing money?
No. It points to sudden interference; loss of money is one form, loss of time and energy is another.
How do I deal with it?
The classical answer is that checked it does no harm. In practice: keep buffers, have a backup plan, avoid single points of failure.