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Prosperity & Luck

The Money Toad

Also called Jin Chan, Chan Chu, three-legged toad, zhaocai chanchu

A three-legged golden toad sitting on coins with a coin in its mouth, placed in the home or shop to draw in money and keep it from leaving. It belongs to Chinese folk belief and feng shui.

TraditionChinese folk religion and feng shui
RegionChina, Taiwan, Hong Kong and the Chinese diaspora
EraLegend of Liu Haichan (10th century figure); charm popular from the Qing era to today
Moon○ Full moon
DayJupiter
ElementWater
Difficulty●○○ Simple
Time15 minutes to place, a minute each week to tend

Tonight's moon is read when the page loads.

The working

  1. Clean the toad with a soft cloth so it is free of dust; a clean charm is said to work best.
  2. Check that the coin sits in its mouth with the characters facing up.
  3. Choose a place in the living room or near the shop entrance, set at a slight angle so the toad faces into the room, never straight out the door, so money comes in rather than hopping away.
  4. Set the three red-tied coins underneath or beside it.
  5. Avoid placing it in the bathroom, bedroom, kitchen or dining room, as feng shui lore advises.
  6. Some families move the toad to face the door in the morning and back toward the room at night, as if it goes out to fetch money and brings it home. Wipe it weekly and say thanks for what came in.

Take care: Antique bronze figures may contain lead; wash hands after handling and keep them away from small children. This is living Chinese folk practice, so learn its meanings rather than treating it as decor alone.

Versions across time and place

i

Liu Hai and the golden toad

Chinese Taoist legend · Five Dynasties figure; legend popular in Ming and Qing art

The immortal Liu Haichan is shown with a string of gold coins, using it to lure the three-legged toad out of a well. Paintings and New Year prints of Liu Hai playing with the toad were hung for wealth.

Uses: string of coins

Recorded in: Wikipedia, 'Liu Haichan' and 'Jin Chan'
ii

Red envelopes at the New Year

Chinese New Year custom · long-standing custom; digital form since the mid-2010s

Elders give money in red envelopes (hongbao, lai see) to children and unmarried relatives. The red wards off bad luck, amounts end in even numbers and avoid four, and since the mid-2010s many are sent through apps like WeChat.

Uses: red envelope, new banknotes

Recorded in: Wikipedia, 'Red envelope'
iii

Maneki-neko, the beckoning cat

Japanese shop charm · Edo period (19th century) to present

Japan's equivalent shop charm is a cat with a raised paw, set near the entrance to beckon customers and money. It has nothing to do with the toad's origins but serves the same job in the same spot.

Uses: beckoning cat figure

Recorded in: Wikipedia, 'Maneki-neko'

History

The Jin Chan, or golden toad, is linked with Liu Haichan, a 10th-century official remembered as a Taoist immortal. Folk tales say he tamed a three-legged toad that lived in a well, coaxing it out with coins on a string. The toad appears beside him in Ming and Qing paintings and woodblock New Year prints, and came to stand for wealth that keeps arriving.

Feng shui lore says the toad shows up at the full moon near homes or businesses about to receive good news. Modern figures sit on piles of cash coins with seven spots on the back and a coin in the mouth. They spread with the Chinese diaspora and are now sold worldwide. The red envelope gift at Lunar New Year belongs to the same culture of luck money.

Sources

  1. Jin Chan · Wikipedia
  2. Liu Haichan · Wikipedia
  3. Red envelope · Wikipedia

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