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U A Ka Sa – The Heart of the Millionaire Spell

U A Ka Sa – The Heart of the Millionaire Spell


U, A, Ka, and Sa

are spells that are frequently encountered in the realm of Thai amulets. These are sometimes referred to as the “Millionaire” spells, as a repeated recitation of them is believed to bless devotees with wealth and good fortune. Some believe that it should be chanted in the following order, over a series of prevailing days, for maximum impact;

U, A, Ka, Sa,

A, Ka, Sa, U,

Ka, Sa, U, A,

Sa, U, A, Ka

Embedded within these simple words, are important facets of the Teaching, that will help devotees to grow and maintain their economic stability. The secret to getting rich is following all of these 4 principles, often referred to as the “The Heart of the Millionaire”.

The spells that form “The Heart of the Millionaire” Katha, are rooted in the Buddhist scriptures of “Dighajanu Sutta

”. These prescribed 4 virtues are conducive to immediate personal development, both in your present lifetime, and all subsequent lives in the future. In Pali, they called Dhittadhammikattha-samvattanika-dhamma

The meaning of U, A, Ka, and Sa


is an abbreviation of the word Ut-tha-na-sam-pa-tha
(Pali: Utthana-sampada), meaning energy and diligence. It is a Teaching that aims to teach people how to accumulate wealth through diligence, seeking it out in a morally-upright manner. This is also believed to contribute to their personal growth and progression in their careers, through the pursuit of hard work and perseverance.



is an abbreviation of the word A-rak-kha-sam-pa-tha
(Pali: Arakkha-sampada), meaning watchfulness or vigilance. This teaches people to guard their money carefully, and refrain from splurging it on worldly possessions. When one achieves wealth through diligence, they must be careful not to squander it, and instead, invest it in places where it will grow. This teaching also emphasizes abstinence from unnecessary vices such as alcohol, drugs, gambling, and womanizing, which will contribute to your personal and financial ruin.



is an abbreviation of the word Kan-la-ya-na-mit-ta-taa
(Pali: Kalyanamittata), or to have good and noble friends. It is the teaching that encourages associations with righteous, morally-upstanding people, who give you good advice and help keep you out of trouble. They will also support you through your trials and tribulations. This Teaching also emphasizes keeping away from bad company, who will lead you astray, causing you to drift further away from your goal of financial stability.


In the Sigalovada Sutta

(31st Sutta of the Digha Nikaya
/”Long Discourses of Buddha”), the Buddha describes the nature of true friends and explains who you should avoid. A true friend is not one who takes advantages of the friendship through access to the other’s material possessions, using insincerity, and flattery to gain access. A good friend is helpful, unconditional, and unwavering in their friendship through good times and bad, providing sympathy, support, and helping you to maintain positive virtues in your life.


The Buddha describes 4 types of true friends; (1) a helpmate, (2) he who is the same in happiness and sorrow, (3) the mentor who gives good counsel, (4) and he who sympathizes. He then proffers that friends who fall into these categories should be cherished in the same manner as a mother cherishes her child.

  • The helpmate may be identified by four defining characteristics: protecting you when you are vulnerable, providing a refuge when you are afraid, and always giving more than what is asked of him to a friend. He is always there to render assistance when needed, asking for little or nothing in return. He will always protect you and show you the way when you are lost and in need of guidance.
  • He who is the same in happiness or sorrow may be identified by 4 defining characteristics: Sharing their most closely-guarded secrets with you, and keeping yours in return, never abandoning you at the hands of misfortune, even laying down their lives for you if need be. Standing by you, through every calamity and cataclysm in life, and weathering every storm with you, passing little or no judgment in turn.
  • The mentor may be identified by the 4 following characteristics: Restraining you from wrongdoing, guiding you towards virtue and morality through measured counsel, and showing you a clear path to escape suffering, like a doting parent or teacher. Someone who proffers lessons in equanimity, love, joy and compassion (the 4 immeasurables), and exemplifies their own lessons. This person may also demonstrate extraordinary patience with you.
  • The sympathizer may be identified in the following 4 ways: He does not rejoice in your misfortune, instead of delighting in your blessings and successes. He prevents others from speaking ill of you, encouraging them to instead sing your praises. This person showers you with love, praise and happiness regardless of the present circumstances. They are there to hold your hand and support you through every struggle, always ready to express their love through a kind word or touch.


is the abbreviation for the word Sa-ma-chi-wi-ta
(Pali: Samajivita), or the state of absolute contentment with life. It proffers that one should strive to live a well-balanced, life in accordance with one’s economic condition. If you have little money, avoid being wasteful and debt. If you are wealthy, however, spend your money on meaningful things.


Destruction of Wealth

The Buddha has elaborated at length regarding the 4 conditions that destroy wealth. They are;

  1. Debauchery in sex,
  2. Intoxication,
  3. Gambling,
  4. Keeping the wrong company


Conditions to ensure Future Wealth

The Buddha also described the conditions needed to ensure that your wealth carries into your future lives, through the accomplishment of faith, virtue, charity and wisdom.

The accomplishment of faith implicitly refers to enlightenment through the Buddha’s teachings.

The accomplishment of virtue, refers to abstinence from killing, stealing, sexual misconduct, lying and imbibement of intoxicants that lead to infatuation and homelessness.

The accomplishment of charity refers to keeping the heart free from avarice, devoting oneself attending to the needy, and delighting in distributing alms to monks, who had committed their lives to the pursuit of virtue, and ending the roots of suffering.

The accomplishment of wisdom refers to a full grasp of Buddhist teachings, leading to penetrating insight that prunes away the roots of suffering obscuring our path to enlightenment.

The Teaching of this spell may be succinctly summarized. “The Heart of the Millionaire” or the essence of becoming a Millionaire, requires diligence, prudence, having good friends, and becoming content with life. The spell alone, however, will not suffice to change your destiny. It is your own understanding, and exemplification of its principles in your daily life, that will truly set you on the path to success. It is more than a mere spell; it is a way of life.

Picture credit: yulianas/



  • Source reference – Dighajanu (Vyagghapajja) Sutta: Conditions of Welfare” (AN 8.54), translated from Pali by Narada Thera. Access to Insight (BCBS Edition), 30th November 2013.
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