Ketu in 12th house gives dhanalaabh while all planets in 12th house gives expenditure .
sun gives heavy tax liabilities , loss of money through govt agencies
moon gives ill fame loss of reputation and dissatisfaction , unnecessary expenditure plus lack of food .
mars gives expenditure on account of enemies , crime etc
mercury gives expenditure on account of education
jupiter gives savings
venus gives long-term savings
Shani rahu gives bad habits and expenditure due to them
ketu gives gain of money
malefic in 12th give foreign travels if aspected by benefic gives progress in foreign countries .
if aspected by malefic one will lose wealth in foreign lands sometimes have to beg also .
malefic if aspected by malefic one will involve in crimes
if 12th lord is with sun one will go to hell after death
if mixed planets in 12th and lagna well placed one will get swarga
12th lord in own house and 12 th aspected by benefic MUSAL YOGA
one will lead difficult life , after many insults and expenditure will stabilise in life BUT still one will go to SWARGA ..