palmistry
Palmistry Complete Guide for Beginners: Lines, Mounts & Hand Reading
Published 2026-07-10 | Live Pandit Ji
What is Palmistry (Hast Rekha Shastra)?
Palmistry, known as Hast Rekha Shastra or Samudrik Shastra in the Indian tradition, is the ancient art and science of reading the lines, mounts, shapes, and markings on the human hand to understand personality traits, life tendencies, and potential future events. The classical version of that definition puts one further item on the list, the body, and this guide leaves it off on purpose and leaves it off throughout: nothing in the pages below treats a crease or a mount as information about how well anybody is. This practice is one of the oldest forms of divination, with roots stretching back over 5,000 years across multiple civilizations including India, China, Greece, and Egypt.
The fundamental principle of palmistry is that the hand is a mirror of the mind and soul. In the tradition's own terms the lines are not random creases but the record of a mind and a life force. One neighbouring fact is genuinely established and is often stretched into a defence of that: the major palmar creases form in the womb, largely by the end of the first trimester, and a markedly unusual crease pattern is one of the features clinicians note alongside certain chromosomal conditions. That is embryology, it belongs to medicine, and it lends nothing to reading a line as a career or a marriage. No study has connected the length of a line to a life event. What palmistry offers is a tradition of reading, and this page presents it as one.
Unlike a fixed horoscope cast at birth, the palm is a living document that changes over time. New lines can appear, existing lines can deepen or fade, and markings can shift as you grow, make decisions, and evolve. This makes palmistry both a reading of present tendencies and a dynamic map that reflects your ongoing life choices. The word diagnostic sits a few paragraphs further down, where it describes what a Greek physician was doing with a hand, and it is not a word this guide is entitled to use about itself.
History of Palm Reading
The history of palmistry spans multiple ancient civilizations. In India, references to palm reading appear in the Vedic texts, with Sage Valmiki credited with writing a treatise containing over 567 stanzas on male palmistry. The Samudrik Shastra, attributed to the sage Samudra, provides comprehensive guidelines for reading not just hands but the entire body for personality and destiny analysis.
In ancient Greece, Aristotle documented palmistry principles and reportedly presented a treatise on the subject to Alexander the Great. The Greek physician Hippocrates used palmistry as a diagnostic tool for health conditions. During the Renaissance, palmistry was studied alongside astrology at European universities before declining during the age of rationalism. In China, palm reading has been practiced since the Zhou Dynasty (1046-256 BCE) and remains integrated with Traditional Chinese Medicine.
The modern revival of palmistry began in the 19th century with practitioners like Cheiro (Count Louis Hamon), who gained fame reading the palms of celebrities and world leaders. Today, palmistry is experiencing renewed interest as both a psychological tool and spiritual practice. No investigator is named for that revival here and none will be: what has grown since Cheiro is the size of the audience, not the weight of the evidence, and pointing at unnamed people in laboratories would be a way of borrowing standing that palmistry has never been lent. Hands are genuinely studied, under the name dermatoglyphics, and the ridge and crease patterns a clinician looks at in a newborn are real features of a real body. That work belongs to medicine, it proceeds by measurement rather than by interpretation, and nobody has ever learned anything about a career, a marriage or a temperament from it. A palm reading is not how any of it is found out, and this guide does not present it as though it were.
Which Hand to Read?
One of the most common questions beginners ask is which hand to read. The traditional Indian approach considers both hands but assigns different meanings to each. The left hand (for right-handed individuals) represents your innate potential, karmic inheritance, and what you were born with. The right hand shows what you have made of that potential through your choices and actions in this lifetime.
For left-handed individuals, this is reversed: the right hand shows innate potential and the left shows developed qualities. A simple rule is that your non-dominant hand reveals your karmic blueprint while your dominant hand reveals your active life expression. Closely matching lines on the two hands are read, in the tradition, as a life lived in line with an inborn nature, and hands that differ markedly are read as conscious change or as a departure from the birth pattern. Both are readings the practice supplies, and neither is a measurement of how anybody has actually lived.
For a comprehensive reading, always examine both hands. Compare the same lines on each hand to understand the journey from potential (non-dominant) to manifestation (dominant). In palmistry, significant differences between the two hands often indicate major life changes, conscious growth, or important decisions that altered the life path.
Major Lines of the Palm
Heart Line (Hridaya Rekha)
The Heart Line is the uppermost horizontal line running across the palm, beginning under the little finger (Mercury finger) and extending toward the index finger (Jupiter finger) or middle finger (Saturn finger). Palmistry reads this line for emotional nature, relationship patterns, capacity for love, and the quality of a romantic and emotional life, and the paragraphs below give that reading as the reading it is.
In classical palmistry a long, clear, deep Heart Line extending to the Jupiter finger, or between the Jupiter and Saturn fingers, is read as a warm, generous and emotionally open nature, given to loving freely and to high ideals in relationships. That reading belongs to the crease, and the guide offers it as the reading rather than as a description of the person in front of you. A shorter Heart Line ending under the Saturn finger suggests a more practical approach to love, prioritizing physical attraction and personal needs over romantic ideals. A curved Heart Line indicates emotional expressiveness, while a straight one shows a more controlled emotional nature.
- Breaks in the Heart Line are read for emotional upheaval, separations, or a change in how someone approaches attachment; they are not read here for the age at which that happened, for the reason given below the list.
- Chains or islands on the Heart Line are read for emotional confusion or several attachments at once; palmistry reads them for the physical heart as well, which this guide does not repeat.
- A forked ending suggests versatility in love, the ability to see both emotional and practical sides of relationships.
- Absence of the Heart Line is rare; where it has merged with the Head Line, the single crease left behind is called the Simian Line, and palmistry reads it for intense focus and for an emotional and intellectual life run together. That reading is the whole of what this guide takes from the mark.
About the age: the classical habit is to treat a line as a ruler, measure how far along it a break or a dot sits, and read off a year. This guide does not do that, on any line, and the reason is the same everywhere. Turning a position into a date needs an origin, a direction and a scale, and the schemes in circulation supply none of the three consistently — they start the span in different places, run it across different numbers of years, and divide it differently, so two practitioners working from one hand can hand you two different decades and both can cite a text. Nothing calibrates them against anything measurable. A crease is not a fixed rule either: hands grow, and the lines on them deepen, fade and shift shape over a working life, so a mark measured at twenty is not in the same relative place at fifty. And a mark said to lie in the unwalked part of the line is a prediction, which is a different kind of claim from a description and is not one a fold of skin can carry. What the markings are genuinely useful for is the shape-and-character reading the rest of this guide gives: deep or shallow, clear or chained, single or multiple, straight or forked. That reading needs no calendar, and it is what the tradition actually observes.
Head Line (Buddhi Rekha)
The Head Line runs horizontally across the middle of the palm, beginning between the thumb and index finger and extending toward the outer edge of the palm. The tradition reads it for intellectual nature, thinking style, mental capacity, the approach somebody takes to a decision, and the way information gets processed, and that is what the readings below draw on. The Head Line is not about intelligence per se but about the style and application of mental energy.
A long, straight Head Line indicates logical, analytical, and systematic thinking. Mathematics, science, business and any work built on step-by-step problem-solving are where the texts point that reading, which is a direction the tradition gives and not a count of who does such work. A curved or sloping Head Line (especially sloping toward the Moon mount at the base of the palm) indicates creative, imaginative, and intuitive thinking. The same texts point the sloping line toward the arts, toward writing and music, and toward work where something has to be made up rather than worked out.
In the classical reading the depth of the Head Line stands for mental intensity, and everything this paragraph goes on to say about depth and starting point is that reading rather than a finding about anybody. A deeply etched line shows strong concentration and focused thinking, while a faint line suggests a more scattered or easily distracted mind. The starting point of the Head Line is also significant: if it starts joined to the Life Line, it indicates a cautious, family-influenced beginning, while a gap between the Life and Head Lines shows independence and self-confidence from early life.
Life Line (Jeevan Rekha)
The Life Line is the curved line that begins between the thumb and index finger and arcs around the base of the thumb (Mount of Venus). Contrary to popular belief, the Life Line does NOT indicate the length of life. Nor does it report on the state of the body, which is the belief that tends to survive after the first one is given up. Palmistry calls it the line of prana, the life force, and prana is a category from inside the tradition rather than a quantity anybody has instruments for. Read as the tradition reads it, the line speaks to major changes of course and to how firmly a person is rooted in home and family, and those are the two readings developed in the paragraphs below.
A deep and clearly cut Life Line is read in the classical texts as a grounded connection to physical existence, and the shape of its arc is read for temperament: a wide sweep far into the palm for the adventurous, outward-facing sort, and a line that keeps close to the thumb for the more reserved sort who prefers staying close to home. Those are character readings and the guide is glad to pass them on as what palmistry says. What it will not pass on is the other half of the same gloss, which converts those two shapes into a verdict on the body and grades one hand vigorous and the other feeble. A crease is not in a position to know that. What a person can do in a day turns on sleep, food, age, training and whatever illness they happen to be carrying, and not one of those writes itself into the fold at the base of the thumb. Read the arc for disposition if you find it useful, and take the question of what a body can manage to somebody with the instruments to answer it.
Breaks in the Life Line often indicate major life transitions rather than health crises. A break followed by a new line running parallel or overlapping suggests a significant change in life direction, relocation, or transformation of lifestyle. Multiple breaks may indicate an eventful life with many changes of direction.
Fate Line (Bhagya Rekha)
The Fate Line runs vertically from the base of the palm toward the middle finger (Saturn finger). Also called the Line of Destiny or Saturn Line, it is the line the classical texts read for career path, sense of purpose, and how far outward circumstance and karma are held to shape the direction a life takes. Not everyone has a clear Fate Line, and its absence does not indicate misfortune but rather a life shaped more by personal choice than destiny.
A clear, unbroken Fate Line from the base of the palm to the Saturn finger indicates a strong sense of direction, clear career path, and significant achievements driven by fate or karma. The starting point is read as revealing the source of career influence: starting from the Life Line indicates family influence in career, from the center of the palm (plain of Mars) indicates self-made success, from the Moon mount indicates public recognition or creative career, and from the Head Line indicates career success after intellectual development.
Minor Lines of the Palm
Sun Line (Surya Rekha)
The Sun Line, also called the Line of Apollo or Success Line, runs vertically toward the ring finger (Apollo finger). It is read as fame, success, creative accomplishment, and public recognition. In the palmist's reading, a clear Sun Line suggests that the person will achieve recognition and appreciation for their work. Where a clear Sun Line runs beside a strong Fate Line, the classical texts treat the two as strengthening the same reading, which is a convention of the craft rather than a measured effect on any career, and no size is claimed for it here. The Sun Line is particularly important for those in creative, performing, or public-facing professions.
Mercury Line (Health Line)
The Mercury Line runs diagonally from the base of the palm toward the little finger, and the older books give it a second name, the Health Line, which is the part that needs dealing with before anything else. Classical palmistry assigns the line the digestive and the nervous systems, and then reads its absence as the fortunate case, on the reasoning that anyone who has one is unusually delicate. Look at the shape of that argument: the hand with the line and the hand without it are both accounted for, so no palm that has ever existed could have shown the doctrine to be wrong. A claim built so that nothing can contradict it is a story about a line rather than a finding about a gut or a nerve, and no organ in anybody has been traced to this diagonal. What stands up without that reasoning is the other and much older signification of the line, which the guide keeps in full: trade, dealing, quickness with numbers, and the knack of making yourself understood. Present and clearly cut, it is read for business ability and for skill in speech.
Marriage Lines (Vivah Rekha)
Marriage Lines are the short horizontal lines found on the edge of the palm between the base of the little finger and the Heart Line. In the classical reading these lines stand for significant emotional bonds and commitments rather than for strictly legal marriages, and the depth and clarity of a line is read for how settled the tradition holds such a bond to be. Two further habits the texts attach to these lines are left out of this guide. The first measures along the edge of the palm to date a wedding, and it needs the ruler this guide has already set aside under the Heart Line above, for the reasons given there. The second turns a count of lines into a count of partners, which describes a life rather than a hand: the marks can be counted, the attachments cannot be counted from them, and nobody has ever set the one beside the other to see whether they agree.
Mounts of the Palm
Mounts are the fleshy raised areas on the palm, each associated with a planet and revealing specific personality traits and life tendencies. Well-developed (elevated) mounts indicate strong expression of those planetary qualities, while flat or depressed mounts suggest underdeveloped qualities in that area. Examining the mounts provides a personality profile that complements the information from the lines.
Mount of Jupiter (Below Index Finger)
A well-developed Mount of Jupiter is read as leadership, ambition, confidence, and a desire for recognition and achievement. The tradition carries that reading on toward authority and positions of power, and stops there: what the hands of people who actually hold such positions look like is not a question the texts went and asked. An overdeveloped mount suggests ego, arrogance, and dominating behavior. An underdeveloped mount indicates lack of confidence and difficulty asserting oneself.
Mount of Saturn (Below Middle Finger)
The Mount of Saturn relates to responsibility, discipline, wisdom, and introspection. A moderately developed mount indicates a serious, thoughtful person with good judgment and the ability to work hard toward long-term goals. An overdeveloped mount suggests excessive gloominess, isolation, or pessimism. By the traditional palmistry reading, a well-balanced Saturn mount brings wisdom, patience, and the ability to handle responsibilities with grace.
Mount of Apollo/Sun (Below Ring Finger)
The Mount of Apollo indicates creativity, artistic talent, charisma, and the desire for beauty and self-expression. Well-developed, it suggests natural artistic ability, warmth, and potential for fame. Being drawn to creative work, and lifting the mood of a room, belong to the same traditional reading of the mount, and the guide passes them on as that: what the texts hold a mount to signify, rather than anything observed about a person. An overdeveloped mount may indicate vanity or excessive desire for attention.
Mount of Mercury (Below Little Finger)
Communication, business acumen and quick thinking are what the Mount of Mercury governs in the classical lists, and those same lists add a gift for healing to the set. The fourth item is reported here and not taken up: whether one person can do another any good when they are unwell turns on training and on what is actually the matter, a raised pad below the little finger bears on neither, and so the mount is kept here for talk, trade and quickness of mind. A well-developed mount is read as excellent communication skills, business intelligence, and aptitude for writing, teaching or commerce, which is the list the paragraph above keeps and with the healing item still left out of it. Persuasiveness in speech and quick learning belong to the same traditional reading. An overdeveloped mount may indicate manipulative tendencies or dishonesty.
Mount of Venus (Base of Thumb)
The Mount of Venus is the large fleshy area at the base of the thumb, enclosed by the Life Line. In classical palmistry it stands for love, passion, sensuality, and the capacity for physical pleasure, and a well-developed mount is read as a warm, passionate, generous, affectionate person who takes open delight in what life offers. Its other traditional significations are romantic capacity and a feeling for music. The old lists put the condition of the body on this mount too, and that item is dropped here instead of repeated: the pad under the thumb is muscle, its bulk owes something to build and to whatever work the hand does, and it settles no question at all about the person attached to it. Overdevelopment gets the unflattering half of the same classical entry, excessive sensuality and self-indulgence, which is a judgement the old books pass on a shape of muscle and not one this guide passes on a person.
Mount of Moon/Luna (Lower Outer Palm)
The Mount of Moon sits on the lower outer edge of the palm, opposite the Mount of Venus. It governs imagination, intuition, creativity, travel, and the subconscious mind. In classical palmistry, a well-developed Moon mount indicates strong imagination, intuitive abilities, love of travel (especially by water), and creative or psychic gifts. The classical lists point a prominent Moon mount toward writing, art, music and spiritual practice, and that is the only direction in which the reading runs: turning it round, into a claim about what the hands of people who actually do such work look like, would need a survey of those hands, and no palmist has run one.
Mount of Mars (Two Areas)
Mars has two mounts on the palm. Upper Mars (between the Heart Line and Mercury mount) relates to moral courage, perseverance, and resistance. Lower Mars (between the thumb and Jupiter mount) relates to physical courage, aggression, and fighting spirit. The Plain of Mars in the center of the palm represents temperament and the ability to handle life challenges. Taken together, the three areas are what classical palmistry reads for courage, resilience and assertive action, and the reading belongs to the tradition: what a person will actually do under pressure does not come out of a palm.
Finger Shapes and Their Meanings
The shape, length and flexibility of the fingers carry a further layer of reading alongside the lines and the mounts, each finger being assigned a planet. What the list below sets out is the classical reading of each shape, in the terms the tradition itself uses; none of it has been set against a person and checked.
- Long fingers: Read for attention to detail, patience, an analytical nature, and a preference for intellectual work.
- Short fingers: Read for quick thinking, impatience, a big-picture focus, and a preference for action over analysis.
- Pointed fingertips: Read for an idealistic, intuitive, artistic and spiritually inclined nature, and for sensitivity to how things look.
- Square fingertips: Read for a practical, methodical, reliable and logical turn of mind, grounded in what is actually there.
- Spatulate fingertips (wider at tip): Read for energy, inventiveness, a preference for acting, and original thinking.
- Knotty joints: Read for a philosophical and analytical habit, deliberate decisions, and intellectual depth.
- Smooth joints: Read for intuition, quick decisions, an artistic temperament and emotional responsiveness.
Hand Shapes: Earth, Air, Water, and Fire
Modern palmistry classifies hands into four elemental types, each associated with specific personality characteristics and life approaches. Identifying the shape of a hand is where a reader starts, and the four descriptions below are the ones palmistry attaches to each type.
Earth Hand
Characterized by a square palm with short fingers and few but deep lines. Palmistry describes the earth type as practical, reliable, grounded and at home in the physical world, and it points the type toward hands-on work, farming, building and the crafts, and toward anything that rewards patience and physical skill. Stability, routine and a result you can hold in your hand are what the same description prefers to an abstract idea, and it is a description of a type rather than an account of anybody, for the reason set out under the water hand below.
Air Hand
Characterized by a square palm with long fingers and many fine lines. Palmistry describes the air type as intellectual, communicative, curious and sociable, and it points the type toward work that turns on mental agility and on talking to people: teaching, writing, media, technology. Ideas, knowledge and a wide circle of acquaintance belong to the same description, which is again the tradition speaking about a type and not about a person.
Water Hand
Characterized by a long, narrow palm with long fingers and many fine, intricate lines. Palmistry describes the water type as emotional, intuitive, sensitive and creative, and it points the type toward caring work, the arts, music and spiritual practice. Sensitivity carried as far as being overwhelmed by it belongs to the same traditional description, and the description is where this guide leaves it: nobody has gone and measured the temperaments that come with a hand shape, so what a reader feels, and how much of it can be carried before it costs something, is not a question a palm was ever going to answer.
Fire Hand
Characterized by a long palm with short fingers and bold, clear lines. Palmistry describes the fire type as energetic, passionate, charismatic and inclined to act, and it points the type toward leadership, toward starting things, toward sport, and toward whatever asks for initiative and courage. Taking a risk, and carrying other people along on enthusiasm, belong to the same traditional description, and that is where this guide leaves them.
Signs and Markings on the Palm
Special signs and markings on the palm carry specific meanings that can modify or enhance the interpretation of lines and mounts. Learning to identify these markings is part of what a palmist is taught, and the reading the classical texts attach to each is set out below.
- Stars: Read in the classical texts for sudden events, brilliance or crisis, according to where on the hand they fall. As palmistry reads it, a star on the Jupiter mount indicates extraordinary success and recognition. On the Saturn mount the same texts read the mark as a sudden turn of fate, and the guide reports that as their reading rather than as news about a life.
- Crosses: The classical texts read a cross for an obstacle, a conflict or a turning point, with the meaning turning on where on the hand it sits. A cross on the Jupiter mount, the Teacher Cross or Mystic Cross, is read there for spiritual wisdom and a gift for teaching, and one between the Head and Heart Lines for an interest in the occult sciences. Where in a life any of that would fall is no part of what this guide takes from a cross.
- Islands: Oval shapes lying in the course of a line, read in the classical texts as the quality that line stands for running divided rather than whole. On the Heart Line the reading given is feeling at odds with itself, and on the Head Line attention that refuses to settle; where either would fall in a life is no part of what this guide takes from an island, and how anybody is actually faring is not written into an oval on the skin.
- Triangles: Counted among the fortunate figures in the classical texts, which read them for talent, intelligence and accomplishment in whatever part of the hand they fall on. The Great Triangle formed at the centre of the palm by the major lines is read there for a balanced and fortunate life, and that is a reading of a shape on skin rather than a report on how a life is actually going.
- Squares: Four-sided figures enclosing a break or a thin place in a line, which the classical texts call protection marks and read as trouble held in rather than trouble escaped. The reading belongs to them and is not a forecast issued here: no mark on a hand can promise how a difficulty will turn out, and what a square can honestly be called is a square.
- Grilles: Cross-hatching, which the classical texts read as energy scattered or running to excess in whatever mount or area carries it, and which the same texts gloss as a call for focus and discipline. The gloss is theirs, and it is reported here as theirs.
- Dots: Small spots on a line, read as a sudden event or a shock. The texts read them for illness as well, and place them on a timeline; a dot on a palm is not a diagnosis and it is not a date either, and this guide offers neither.
- Chains: A series of small linked ovals, which palmistry reads as the line pulled several ways at once rather than holding one clear course, and which the texts gloss as confusion and scattered energy. That gloss is theirs and is passed on as theirs; no span of time is attached to a chain here, because a link on a palm is not a stretch of a calendar.
Common Questions Beginners Ask
Do palm lines change over time?
Yes, palm lines are dynamic and can change over time. Major life decisions, personal growth, and spiritual development are the causes palmistry itself names for a line altering. The state of the body is usually on that list as well, and the guide stops short of it, because granting it once makes it work in the other direction too: if being unwell redraws a crease, then a crease that looks different this year is an opening to tell somebody news about their own body, and that is a conversation for a clinic. That same tradition holds the minor lines to shift more readily than the major ones do, and it is that holding, rather than any set of measurements, behind the custom of sitting for a fresh reading every few years. Such a rereading gives the tradition its current reading of a hand as the hand now looks, set beside the last one; whether the two together have tracked a life is a question the practice has never had to answer.
Can palmistry predict death?
Ethical palm readers do not predict death. The Life Line does NOT indicate lifespan. A short Life Line does not mean a short life, and a long Life Line does not guarantee longevity. What the Life Line is read for in this guide is set out in the Life Line section further up, and it stops where that section stops: a major change of course, and how firmly somebody is rooted in home and family. Vitality and quality of physical energy are the words the older books put here instead, and they are left out for the reason given up there, which is that the state of a body is not legible in an arc of skin and that no instrument has ever been pointed at prana. Any practitioner claiming to predict death through palmistry is practicing unethically and should be avoided.
Is the right or left hand more important?
Both hands are important and provide different information. Your dominant hand shows your active life expression and choices, while your non-dominant hand shows your innate potential and karmic blueprint. A thorough reading always examines both hands and compares them to understand the full picture of potential versus manifestation.
How accurate is palmistry?
What differs between one palm reader and another is skill and experience. In the hands of an experienced practitioner, palmistry produces a detailed reading of personality and life tendencies. How well such a reading holds up is not something this page can establish, and it claims no rate for it. However, palmistry shows tendencies and potentials rather than fixed fates. Your free will and choices always play a role in determining actual outcomes. The palm shows the road map; you choose which paths to take.
Can I read my own palm?
Yes, self-reading is an excellent way to begin learning palmistry. Start by identifying your hand shape, then locate the major lines and note their length, depth, and any special markings. Compare what you observe with the descriptions in this guide. Over time, your ability to read the subtleties will develop. A second reader is still worth having, for the same reason a second pair of eyes is worth having on anything you wrote yourself: on your own hand it is easy to find the reading you were hoping for. What the reading is not is a way of settling an important decision, and the guide does not offer it as one: a crease that formed before you were born holds nothing about a choice you have not yet made.
Getting Started with Palm Reading
To begin reading palms, follow this systematic approach: First, identify the hand shape (Earth, Air, Water, or Fire) to understand the basic temperament. Second, examine the three major lines (Heart, Head, Life) for their length, depth, clarity, and any markings. Third, check for the presence and quality of the Fate Line and Sun Line. Fourth, assess the development of each mount. Finally, note any special markings like stars, crosses, or triangles.
Practice on your own hands first, then offer to read friends and family members who are open to it. Keep notes on your observations, and be careful about what the notes can settle: a reading recalled after the event tends to be marked kindly, so a notebook of apparent hits collected that way builds fluency in the vocabulary rather than evidence that the vocabulary is true. Palmistry calls itself both an art and a science; the technical material is the framework it teaches, and intuition and long practice are what its practitioners credit for bringing a reading to life.
For a palm reading consultation that sets the hand alongside a Vedic chart and a numerology reading, connect with the practitioners at Live Pandit Ji. A session goes through the lines, the mounts and the markings in detail and gives the traditional reading of each, together with the remedial practices the tradition attaches to that reading; what it does not hand over is a reading of the body, a date for a wedding or a birth, or a decision about money taken on your behalf.