It is not that people do not put in sufficient efforts to acquire wealth.

Where wealth is concerned no occupation is taboo to the human being. He can adopt honest straightforward means for making money or adopt nefarious ways of crime. The Karmic effects of the past of an individual for acquiring wealth are reflected in the horoscope by Dhana yogas or absence of them. Bhava houses 2, 6, 10 are primary and 7 and 11 are secondary for Dhana yoga considerations. 2nd House in a horoscope signifies self generated wealth, 6th through loans, and 10th through employment. If the 2nd is strong money comes by inheritance and investment. If 6th is stronger than 2 and 10 money comes as interest on lending. If 12th becomes very strong the native borrows but never repays fully there by always in debt. If 10th is stronger than 2 and 6 the native can make money at all times through various means. The Dhana karakas or significators of wealth are Sun and Jupiter. So to begin with the simple rule is that both Jupiter and Sun should be well placed in the horoscope to be wealthy. Another important rule is that SUNS ARCH RIVAL SATURN SHOULD NOT BE IN THE 2ND HOUSE OR ASPECT 2ND OR ASSOCIATE WITH THE 2ND LORD FROM THE LAGNA AND THE MOON. This is a must condition for dhan yoga. 1) If the lord of the ascendant is in 10th House the native will be richer than his parents. 2) The same will apply if 10th lord is in the ascendant. 3) If Jupiter is placed in 9 or 11th and Sun in the 5th the native becomes rich. 4) Mutual exchange of Houses of 2nd and the 9th lord (except Saturn) makes a person rich. 5) Sun in 6th or 11th the person becomes rich. Particularly so when Sun is in Rahu star and Rahu in Suns Star. 6) 2nd lord in 8th a person becomes rich by self-efforts. 7) If Moon and Jupiter or Moon and Venus be in 5th the person becomes rich 8) If Mercury happens to be in Aries or Cancer the person becomes rich. 9) If 7th house has Mars or Saturn and 11th house has any planet other than Ketu the

person will earn huge wealth by doing business. If Ketu is in the 11th he will earn through foreign agency 10) If the 7th house has either Mars or Saturn and the 11100th house has Saturn or mars or Rahu the person earns wealth by sports, Gambling, Commissions, rent lawyers fees etc 11) Mars in 4th Sun in 5th Or Jupiter in 11th or 5th, earning will be through ancestral properties, crops, or building, which will increase. 12) Saturn in 4th identical with Libra, Capricorn or Aquarius the native will earn through Numbers ( accountants, statisticians, mathematician etc) 13) If Mars, Jupiter and Moon join Cancer for a cancer native he becomes very rich through employment resource and divine grace. 14) If Rahu, Saturn, or Mars or Sun in the 11th the native becomes rich gradually. 15) If quadrant or trinal houses are occupied by Jupiter, Venus, Moon, Mercury or houses 3, 6, 11 by Sun, Rahu, Mars, Saturn the native will become exceedingly rich during dasas of Rahu/mercury/Saturn /Venus. 16) If all Kendras are occupied by planets OR All trines are occupied by benefics OR All oopachayas (3,6, 11) occupied by Malefic The native becomes exceedingly rich 17) Benefic planets or 10th lord in Taurus or Libra and Venus or lord of 7th in 10th the native will become rich by marriage or through wifes earnings. 18) JUPITER IN CANCER , Sagittarius, or Pisces, and 5th lord in 10th the person becomes rich through son/daughter. 19) Mercury + Jupiter + Venus in any house, earning by religious means (purohit, Pundit, Astrologer, Preacher, Head of religious institutions etc). 20) Mercury +Venus + Saturn in any House, the person will earn by business leadership 21). Jupiter in 10/11 and Sun/Mercury in 4/5 or vice versa, native becomes rich by Good administrative manipulations 22) Lords of 6,8,12 join 6, 8, or 12 or 11th the native becomes suddenly rich http://parijaata.com/category/mind-body-and-soul-jyotish/yogas/dhana-yogas/