Many people make money through hard work or with divine blessings but happiness eludes them. Tensions mount and sometimes sustaining the same prosperity becomes a herculean task. On the other hand, there are people who work hard, lead a vice-free, spiritual life but material prosperity is not found. There are many hidden elements which affect financial health adversely. Vijay Karia through his mastery(by the grace of Ascended Masters) of connecting to the universal energy offers advice that is simple and practical.