15. The native will be a spendthrift, if the 12^th from Atma Karak receives a Drishti from the dispositor of Atma Karak, or, if Vyaya Bhava receives a Drishti from the Lord of Lagn.

16-18. Now I tell you some Yogas for poverty along with conditions of their nullifications. Should Mangal and Sani be together in Dhan Bhava, the native’s wealth will be destroyed. Should Budh give a Drishti to Mangal and Sani in Dhan Bhava, there will be great wealth. There is no doubt in it. Surya in Dhan Bhava, receiving a Drishti from Sani, will cause penury, while, if Surya is in Dhan Bhava and does not receive a Drishti from Sani, riches and fame will be obtained. The same effects (poverty) will be declared, if Sani is in Dhan Bhava, receiving a Drishti from Surya.