24 Rules of Fortune and Misfortune

Kedi: “Even though twins have the same appearance, family, home, and horoscope, why does their karma differ?”

Ganesh: “The body and mind are different. All children are born carrying four separate things in their minds: accumulated karma, destined karma, fortune, and misfortune. No child is born with an empty mind, and no person dies with an empty mind.”

Kedi: “What does this have to do with the karma of twins?”

Ganesh: “Things like appearance, family, home, and horoscope are related to the body. The karma of children is related to the mind. Twins have identical bodies, but the accumulated karma, destined karma, fortune, and misfortune—these four things—are different in their minds.”

Kedi: “I didn't understand anything about accumulated karma, destined karma, fortune, and misfortune.”

Ganesh: “In their past lives, Sachin lived in Mumbai, India, and Suraj in Seoul, Korea. Both accumulated equal virtues, but Suraj committed slightly more sins. Due to their equal virtue, they are reborn as twins in a New York family. However, because Suraj had more sins, he carries heavier negative karma: he struggles with unemployment, juggles over ten freelance gigs, and has been dumped by seven girlfriends before even a first kiss.

Sachin, with fewer sins, enjoys lighter karma—a stable government job and a refined wife. Thus, despite being twins, their destinies diverge based on the karma inherited from previous lives.”

Kedi: “Until I understand accumulated karma, destined karma, fortune, and misfortune, I won't understand anything. Explain them one by one. What is accumulated karma?”

Ganesh: “You wanted to become a writer, so you were gaining different experiences for research. While working in a company, you fell in love with a colleague and got married. Now your wife won't let you quit the job to do further research or write a book; she advises you to keep working in the same company. You've become an addict to your wife's love and affection, so you work in the same company until retirement. Your research remains incomplete, so you couldn't write the book. You die without writing the book, so in the next life, writing the book becomes your accumulated karma.”

Kedi: “What is destined karma?”

Ganesh: “Becoming an astrologer was written in both your destiny and your horoscope. That's why in 2008, when an incident happened where you read someone's palm and predicted the future, you got inspired to become an astrologer. Millions of people in the world pretend to read palms and predict the future for fun, but not everyone develops the desire to become an astrologer. Whatever action is written in someone's destined karma, even a small incident related to it becomes inspiration. Because of different destined karma, twins meet different people, get involved in different events, and get trapped in different situations and circumstances. You are born to do specific karma; that’s destined karma.”

Kedi: “What is fortune and misfortune?”

Ganesh: “The convenience obtained from accumulated virtue is fortune, and the difficulty obtained from accumulated sins is misfortune. There is a total of 24 rules for fortune and misfortune.”

Kedi: “What is the 1st rule?”

Ganesh: “Due to fortune, a person gets the opportunity to experience many positive and favourable emotions, and due to misfortune, a person gets the opportunity to experience many negative and unfavourable emotions.”

Kedi: “What does this mean?”

Ganesh: “You were having fun at a party acting as a mascot, experiencing positive and favourable emotions. Your companion, in the same party, was experiencing negative and unfavourable emotions due to heat, sweat, helplessness inside the mascot costume, and the responsibility of keeping the costume safe. The environment was the same for both, but it was written in your fortune to enjoy freely and in their misfortune to wear the mascot costume due to financial compulsion.”

Kedi: “Can one enjoy even a bad situation?”

Ganesh: “Whether the situation is good or bad, one can enjoy every situation; one just needs the art of enjoying. Someone who doesn't know the art of enjoying cannot enjoy even a single moment in a naughty environment.”

Kedi: “How can I learn the art of enjoying?”

Ganesh: “The art of enjoying has made you poor. The whole world works for money; you work for fun. Enjoying everywhere is not good for either health or wealth.”

Kedi: “What is the 2nd rule?”

Ganesh: “Due to fortune, a person gets a positive nature and positive character, and due to misfortune, a person gets a negative nature and negative character.”

Kedi: “What does this mean?”

Ganesh: “Due to fortune, you got a cheerful nature, and due to misfortune, a forgetful nature. Some people get a romantic nature due to fortune and an angry nature due to misfortune. Due to fortune, you got a steadfast character, and due to misfortune, a paradoxical character. Some people get a compassionate character due to fortune and a greedy character due to misfortune.”

Kedi: “What is steadfast and paradoxical character?”

Ganesh: “When someone makes a commitment and fulfils it, that is steadfast character. Someone who breaks every commitment, decides and immediately takes the opposite decision, and does everything backwards—that is paradoxical. Because of your steadfast character, you have been continuously researching religion for the past 15 years. Due to your paradoxical character, you were writing religious texts like a sage during the day and acting like a clown at parties at night, engaging in crazy antics. Only you could be a sage by day and a clown by night.”

Kedi: “What is the 3rd rule?”

Ganesh: “Due to fortune, a person gets a beautiful and healthy body, and due to misfortune, a person gets an ugly and diseased body.”

Kedi: “What does this mean?”

Ganesh: “Your fortune was very limited, so you got an ordinary body. When your period of misfortune comes, you may get some terrible disease. Some people are very beautiful because of good fortune. Some people are ugly because of excessive misfortune. Some people have very good fortune, so they don't get any serious illness even in old age. Some people have excessive misfortune, so they are born with serious illnesses.”

Kedi: “Can I avoid my illness by reducing misfortune?”

Ganesh: “A paradoxical character ticks "yes" to all options at birth. You also ticked both "no disease" and "yes disease" when born, so you will definitely get illness at some point.”

Kedi: “What is the 4th rule?”

Ganesh: “Through good fortune, a person gains greater intelligence and special skills; through misfortune, a person receives lesser intelligence and various defects.”

Kedi: “What does this mean?”

Ganesh: “Through good fortune, you can grasp the depth of various subjects. Through misfortune, your common sense fails you at casual moments, leading to repeated silly mistakes. Through good fortune, you have acquired the art of writing; through misfortune, you suffer from the defect of forgetfulness. Some people gain diverse skills through good fortune, while through misfortune, others fail to master even a single one. Through good fortune, certain individuals easily comprehend subjects like history, law, politics, and science; through misfortune, others struggle even with basic information on these topics.”

Kedi: “If I gained intelligence through good fortune, why am I poor?”

Ganesh: “Through misfortune, you also received the defect of forgetfulness—precisely when you need to apply your intelligence, you forget that you possess it. As a result, instead of pursuing money, your intelligence seeks knowledge and experience.”

Kedi: “What is the 5th rule?”

Ganesh: “Through good fortune, a person gains freedom and independence; through misfortune, a person faces bondage and servitude.”

Kedi: “What does this mean?”

Ganesh: “By good fortune, you are truly free. Your innocent, loving mother grants you full independence, never seeking to control you. Blessed with luck, you've explored over 20 jobs—not out of need, but pure freedom. You escape the traps that bind others: no debts, no bosses. Misfortune enslaves many—through debt they never enjoy, endless servitude, flattery, or imprisonment. But your fortune shields you from such chains.”

Kedi: “What is the 6th rule?”

Ganesh: “Through good fortune, a person attains prosperity and fame; through misfortune, a person experiences poverty and obscurity.”

Kedi: “When your good fortune shines in the next life, you may gain prosperity and fame. In this life, you were born with such misfortune that even the people in your building do not know you. Through misfortune, you live in obscurity, and your poverty is so severe that you check your pocket twice before buying vada pav. Through good fortune, some children achieve fame and prosperity by age 8; others attain it at 80. Through misfortune, some endure lifelong poverty and obscurity; others fall into obscurity after having fame.”

Kedi: “Why can't I get prosperity and fame in this life—why only in the next?”

Ganesh: “The way you are living, collecting over 100 stories of experiences, one could make a comic book from them. Prosperity and fame would be difficult amidst that.”

Kedi: “What is the 7th rule?”

Ganesh: “Through good fortune, a person achieves progress and success; through misfortune, a person faces decline and failure.”

Kedi: “What does this mean?”

Ganesh: “Through good fortune, you are steadily gaining new knowledge and experiences for your book—what you want may not happen, but what you need for the book's depth, you are able to accomplish. Through misfortune, just as success begins in a company, you feel the urge to quit; you leave, and by the time you find a new job, your bank balance has declined. After failing 3–4 interviews, you secure another position. Through good fortune, some enjoy continuous career progress and success. Through misfortune, others make mistakes that trigger their decline. Through misfortune, some never succeed in life.”

Kedi: What is the 8th rule?

Ganesh: Through good fortune, a person receives good parents, a good life partner, and a good birthplace; through misfortune, a person receives bad parents, a bad life partner, and a bad birthplace.

Kedi: What does this mean?

Ganesh: Through your good fortune, you receive the love of a compassionate mother, and Mumbai—the country's financial capital—is your birthplace. Through misfortune, you lost your father's love after age 5. Finding a life partner in this life is difficult for you, though not impossible. Through good fortune, some receive loving parents; through misfortune, others have parents who make their lives miserable. Through good fortune, some find an ideal life partner; through misfortune, others end up with an unfaithful or cruel one. Through good fortune, some are born in favourable places; others in inconvenient or difficult ones.

Kedi: Is getting—or not getting—a life partner also a matter of fortune or misfortune?

Ganesh: Yes. For some, receiving a life partner is good fortune; for others, remaining single is good fortune. Receiving the wrong life partner is misfortune; failing to find the desired one is also misfortune. Which category you fall into—my research on that continues.

Kedi: What is the 9th rule?

Ganesh: A person's accumulated good deeds determine their good fortune, while their accumulated sins determine their misfortune.

Kedi: What does this mean?

Ganesh: The extent of virtue and sin you accumulate shapes your fortune and misfortune, but you cannot control it directly. If you performed virtuous acts related to knowledge, you receive knowledge through good fortune. If you committed sins related to knowledge, you receive ignorance through misfortune. If you performed virtuous acts related to wealth and property, you gain wealth through good fortune. If you committed sins in that area, you face poverty through misfortune. If you performed virtuous acts related to family, you enjoy family happiness through good fortune. If you committed sins related to family, you experience family sorrow through misfortune. If someone feeds you vada pav on the street, understand that you once satisfied another's hunger through virtue. If someone snatches vada pav from your mouth on the street, understand that you once left someone hungry through sin.

Kedi: What is the 10th rule?

Ganesh: A person can acquire countless sins and virtues through his actions, but when and how a person will get good fortune or misfortune as a result of accumulated sins and virtues is decided only by God.

Kedi: What does this mean?

Ganesh: You decided to become an astrologer in 2008; until 2022, you did various jobs around the world; in these 14 years, you alone kept writing notes on the mutual relationship between astrology and psychology and analysed others' horoscopes but didn't meet even one professional astrologer. You made your birth horoscope in 2022 when you started learning astrology. Becoming an astrologer was in your fortune, but when to become one was not in your hands; when the right time comes, you will become an astrologer. No matter how much sin and virtue you accumulate, you cannot decide when and how you will get fortune or misfortune according to your will.

Kedi: In 2017, I decided to become a detective agent, searched for an agency on Google, went for an interview the next day, and became a detective agent. How did I become a detective in just one day?

Ganesh: You are becoming an astrologer too to research astrological scriptures and collect necessary evidence for your book. You have been a detective since birth; in every company, you went on your own detective mission to gain knowledge. You become your own boss, your own agent, and your own client, and in the end, you become the subject yourself for self-reflection.

Kedi: What is the 11th rule?

Ganesh: Which varna (caste/class) a person will get—such as Brahmin, Kshatriya, Vaishya, Shudra, untouchable, Chandala, etc.—and what varna the family members will have is determined by the person's fortune and misfortune.

Kedi: What does this mean?

Ganesh: A person gets the tendency of at least 2 varnas and at most 6 varnas in life. You got the tendency to acquire astrological knowledge—that is Brahmin varna. When you were a professional boxer, your tendency was Kshatriya varna; when you did jobs, your tendency was Shudra varna; when you did freelance work, your tendency was Vaishya varna. Whichever varna's tendency a person gets, he becomes successful in doing that varna's work. All family members can have different varnas. Twins can have different varnas based on their fortune and misfortune; one child can be Kshatriya, the other Shudra.

Kedi: A person can mostly do work of 6 varnas, so why only four for me?

Ganesh: You cannot do Chandala varna work because it requires grabbing family money; your entire family depends on you, and there is no money in your family to grab. You cannot become untouchable because you are afraid of going to jail—vada pav is not available in jail—so even if you want to, you cannot do theft, robbery, fraud, etc., which are untouchable varna works.

Kedi: What is the 12th rule?

Ganesh: How a person will have to live in the four ashramas (stages of life)—Brahmacharya (student), Grihastha (householder), Vanaprastha (stay away from family), and Sannyasa (renunciate)—depends on his fortune and misfortune.

Kedi: What does this mean?

Ganesh: In your family, all your maternal and paternal uncles' children's childhood (Brahmacharya stage) was spent with their parents in the family. Despite having a full family, you and your younger brother had to spend your childhood (Brahmacharya stage) in an ashram from age 5 to 7 years. You didn't even get to see your father's funeral. Now you are living with your mother in the family (Grihastha stage). When you went to Pune for 2 months away from home for company training, that was your Vanaprastha stage. Every person has to live the stages of their life in different ways based on their fortune and misfortune. How you will live Brahmacharya, Grihastha, Vanaprastha, and Sannyasa—these four ashramas—depends on your fortune and misfortune. You cannot decide on your own how to live in any ashrama.

Kedi: What is the 13th rule?

Ganesh: How a person will have to experience states like theist or atheist, etc., is determined by his fortune and misfortune.

Kedi: What does this mean?

Ganesh: Since 2007, you were searching for religion and God, but you didn't believe in God's idols; Vedic and Puranaic knowledge seemed false to you; worship seemed false, so you started researching God and religion yourself to know the truth. Until 2016, you were an atheist; you got irritated when someone performed religious rituals. But as soon as devotion arose in your mind after 2016, and you turned from atheist to theist, now when someone performs religious rituals, seeing it makes you happy. From 1989 to 2016, making you experience being an atheist also depended on your misfortune. As soon as misfortune ended, fortune opened, and you started experiencing being a theist. Only those who have fortune related to devotion can experience devotional feelings and become theists. Those who have misfortune related to devotion cannot experience devotion at all and can become atheists.

Kedi: Are all atheists unfortunate?

Ganesh: Those who are atheists cannot experience devotional feelings. Just as a blind person cannot see the world and is called physically disabled, similarly, those who cannot experience devotional feelings are mentally disabled. Being physically or mentally disabled is a misfortune.

Kedi: What is the 14th rule?

Ganesh: Based on fortune-misfortune and accumulated-destined karma, a person's birth and death are determined during the appropriate transit of planets and constellations.

Kedi: What does this mean?

Ganesh: A person's birth and death do not happen suddenly; they are based on the transit of planets and constellations necessary to complete the destined karma of the next life. Your birth happened on 2nd July 1989, when the Kumbha-kaal was going on and Jupiter was in the Mrigashira constellation; at that time, new humans descended to Earth from Vaikuntha; you must have descended to Earth for the first time or had a rebirth. At that time, Moon, Mercury, and Jupiter were all transiting in the same Mrigashira constellation, which was to give you the destined karma to become an astrologer and writer, so at that time your death occurred, and in the next moment, your rebirth must have happened. A person's death and rebirth happen in the same constellation transit, and depending on what destined karma he has to do in the next life, when the suitable planet-constellation transit occurs, he may have untimely or delayed death.

Kedi: Did I descend from Vaikuntha or have a rebirth? What does that mean?

Ganesh: Your birth happened in the Aquarius era; at that time, new humans descended to Earth from Vaikuntha, whose minds remained 24/7 confused and curious like yours. Those who have rebirth are paradoxical; they are born carrying incomplete opposite deeds from previous lives, so research on your origin is ongoing.

Kedi: What is the 15th rule?

Ganesh: A person cannot obtain more fortune than his accumulated virtues, nor can he obtain more misfortune than his accumulated sins.

Kedi: What does this mean?

Ganesh: If you have earned the virtue of eating 108 vada pavs in your entire life, then even if you earn crores of rupees in the future, you won't be able to eat more than 108 vada pavs. As soon as you eat the 108th vada pav, you will desire something else. Even with crores in the bank, you won't be able to buy a 15-rupee vada pav, and if you buy it, it will fall before eating, or you'll have to go somewhere for a meeting, and the vada pav will remain untouched. If 108 days of illness are written in your misfortune, you will be ill for 108 days. If you have spent 104 days in illness in your whole life, suddenly you get a serious illness that could last 2 years; that illness will also end in 4 days because on the 109th day of your misfortune, you won't be alive.

Kedi: Can't I earn the virtue to eat 1008 vada pavs instead of 108 in my fortune?

Ganesh: 108 vada pavs are from your past karma; if you do more actions than your destined karma, you will definitely get fortune to eat more vada pavs. But you are so lazy that I'm worried whether you will even complete your destined karma.

Kedi: Does that mean anyone can change their fortune by doing excessive actions?

Ganesh: No, one cannot change fortune; one can increase or decrease the intensity of fortune.

Kedi: What does that mean?

Ganesh: Your fortune is determined by the fact that you will do a certain number of actions. But if you do less than that certain amount, there will be a decrease in the results of fortune, and if you do more, there will be an increase in the results of fortune. Fortune can change only when the type of virtuous work changes. Doing excessive work of the same type will increase fortune, and suddenly changing the work will change fortune. To change fortune, it is necessary to change the work.

Kedi: I still don't understand.

Ganesh: If you work very hard at a vada pav stall, one day you will be able to sell your brand's vada pav all over the world, but no matter how hard you work, in the end, you will remain a vada pav seller. But if, while selling vada pav, you work hard on studies, one day you will become the world's greatest scientist and inventor. Equal hard work will give equal fortune; changing the path of hard work will change fortune.

Kedi: What is the 16th rule?

Ganesh: Some good fortune prevents a person from realising his misfortune, and some misfortune prevents a person from realising his good fortune.

Kedi: What does that mean?

Ganesh: You have the good fortune of eating a ₹15 vada pav but the misfortune of not being able to eat a ₹1500 biryani in a five-star hotel. Yet you are so happy with the vada pav that you feel no regret about not eating the biryani—this is called "some good fortune prevents a person from realising his misfortune." Due to misfortune, you have the habit of forgetting. Good fortune has made you wise and courageous, but because of misfortune, you are not even aware of your own wisdom and courage—this is called "some misfortune prevents a person from realising his good fortune".

Kedi: What is the 17th rule?

Ganesh: A person's good fortune and misfortune are not only his own but are also connected to the other people around him, animals, and nature.

Kedi: What does that mean?

Ganesh: If the head of a family becomes poor, the entire family lives in poverty. If the head of the family becomes rich, the entire family lives in wealth. If one member of the family experiences happiness, the whole family becomes happy in that joy. If one member experiences sorrow, the whole family becomes sorrowful in that grief. Having a pet animal in the house makes the entire family laugh and play together; after the pet is gone, the family's collective laughter and play decrease. Due to changes in nature, floodwater enters some homes, while not a single drop of rain falls inside others.

Kedi: What is the 18th rule?

Ganesh: A person who keeps the company of a fortunate person gets the opportunity to enjoy that fortunate person's good fortune ahead of time.

Kedi: What does that mean?

Ganesh: In your destiny, it is written that after the age of 40, you will eat biryani 10 times. In one of your client’s destinies, it is written that he eats biryani every day. You don't like that customer, but whenever you go to meet him, you get the fortune of sitting with him and eating biryani. Greedy for biryani, you meet that customer repeatedly even though you don't want to. When your quota of 10 biryanis is complete, the customer realises your true intention and stops inviting you to eat biryani again. When the actual time to eat biryani arrives after 40 years, you become so busy with work that although you order biryani, you don't even get to see it—you rush off to the next meeting before it is served. In this way, because of the company of a fortunate person, the good fortune that was meant to come later arrives early, and the good fortune that has already been enjoyed does not come again.

Kedi: What is the 19th rule?

Ganesh: A person who keeps the company of an unfortunate person gets the opportunity to suffer that unfortunate person's misfortune ahead of time.

Kedi: What does that mean?

Ganesh: In your destiny, after the age of 40, you were supposed to suffer 100 punches and kicks. But at the age of 35, you got bitten by the bug to research the mindset of goons. You went to the goons and said, "Take me into your team; I want to become a goon for 6 months to understand a goon's mindset." They made you the partner of a goon who only jumped into fights to get beaten so that while he was being thrashed, the rest of the goons could escape. Because of the company of that beaten goon, the punches and kicks that were meant for you at age 40, you end up taking at age 35. Having already taken those punches and kicks early, at age 40 no one will even touch you.

Kedi: What is the 20th rule?

Ganesh: When a person gets the opportunity to enjoy good fortune but does not have sufficient accumulated virtue, that person cannot enjoy that good fortune.

Kedi: What does that mean?

Ganesh: You go to a client’s house for a birthday party. Everyone is served biryani, but you are given a vada pav because they think you only like vada pav and eat nothing else. You spend the whole time craving the biryani. Because you lack the accumulated virtue to eat biryani, you cannot even ask for it with your own mouth. Good fortune to enjoy biryani may have come, but without sufficient accumulated virtue, you won't even be able to touch the biryani.

Kedi: What is the 21st rule?

Ganesh: When a person gets the opportunity to suffer misfortune but does not have sufficient accumulated sin (paap), that person cannot suffer that misfortune.

Kedi: What does that mean?

Ganesh: A small businessman organises an event and promises each volunteer 1 vada pav and 1 tea. By mistake, one volunteer blocks the businessman's car. The businessman gets angry. When all the volunteers line up to receive vada pav, the businessman insults and humiliates all of them, including you—since you too had volunteered for a vada pav. Everyone feels bad, and no one eats the vada pav. But you are not disturbed by anyone's nonsense; you complete the work you came for and leave. Because of this mindset, you take the vada pav and eat it with enjoyment. All volunteers, including you, were destined to suffer helplessness and humiliation, but since your accumulated sin was low, you were not disturbed by useless and false words. As a result, you did not have to suffer the misfortune of not eating the vada pav earned through hard work—you ate it with pleasure.

Kedi: What is the 22nd rule?

Ganesh: When a person has accumulated sufficient virtue, good fortune itself pursues that person when the time comes.

Kedi: What does that mean?

Ganesh: You have earned sufficient accumulated virtue to eat burgers, but your quota for eating vada pav is not yet complete. When the vada pav quota ends and the burger quota begins, the burger seller himself will come searching for you, break your vada pav addiction, and instil in you a burger addiction.

Kedi: What is the 23rd rule?

Ganesh: When a person has accumulated sufficient sin, misfortune itself pursues that person when the time comes.

Kedi: What does that mean?

Ganesh: The day the misfortune of addiction arrives, your enemy won't kill you—instead, he will make you try different drugs for free for a whole year, turn you into a complete addict, make you a living corpse, and without any fight or court case, erase your original existence and identity. Because of misfortune, you will develop a desire to research drugs, you will start taking them, and your misfortune will not let you go without turning you into an addict.

Kedi: If I become an addict, how can I regain my original existence?

Ganesh: For every addict, their priority is the addiction. As soon as the priority changes, the addiction quits. Changing priority changes everything. Your priority is writing; once you start writing, your addiction will disappear. Everyone has different priorities, such as painting, composing music, playing sports, etc.

Kedi: What is the 24th rule?

Ganesh: When a person has accumulated sufficient amounts of both sin and virtue, that person has to experience both good fortune and misfortune together.

Kedi: What does that mean?

Ganesh: When both sin and virtue are sufficient—neither sin more nor virtue more—a person gets an object through good fortune but cannot use that object due to misfortune. You have received knowledge through good fortune, but due to misfortune, you cannot use that knowledge. Some people get a lot of money through good fortune, but due to misfortune, they cannot use that money. Some get a luxurious bed through good fortune, but due to misfortune, they cannot sleep on that luxurious bed. Some get a beautiful body through good fortune, but due to misfortune, they do not get a life partner to enjoy that body.

Kedi: Since twins have the same horoscope, how can their future be predicted?

Ganesh: In twins' horoscopes, if Rahu or Jupiter or any planet is in the same house, the effect of that planet falls differently on each. Because the accumulated karma (prarabdha karma), good fortune, and misfortune in the mind balances are different, the same planet affects the native in 10-12 different ways. For example, Mars motivates one person to drive fast cars, another to fight, and another to protect the weak. People with the same ascendant sign and same nakshatra have different natures. No astrologer can know a person's original nature just by looking at the horoscope, but every astrologer can accurately analyse the horoscope after knowing the native's nature. Therefore, it is necessary to know the native's nature before analysing any horoscope; otherwise, the prediction may be wrong.

Note: This content represents one half of a chapter from Kedi Purana, a 40-chapter work authored by Kedi Ganapati.

Kedi Purana is a modern Purana of the present and final Kaliyuga of the current Kalpa.

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