A person with Neptune in 8th House has the following characteristics:
Regarding his/her financial plan, he/she is prone to loose and optimistic prospects, so he/she exhausts his/her assets and owe a hefty debt that he/she cannot repay.
He/She may not have much obsession with money and may be more likely to give to others than he/she gets.
He/She may take an ambiguous form of ownership about his/her assets with his/her partner and entrust the management of his/her assets to him/her.
In the worst case, he/she might eat into them without his/her knowledge.
When he/she inherits a legacy, he/she may encounter a difficult problem and may be interfered with someone who does not feel good about his/her presence or tries to use him/her.
He/She wants sex as a spiritual connection rather than physical pleasure and aims to unify the souls with experiences of spiritual bliss with his/her partner.
When his/her other bad astrological elements exists, he/she can bring his/her false love to bed.
He/She has special qualities and strong sensitivity on a spiritual level and can have a paranormal and mysterious experience such as predictive ability and have a strong interest in the occult, so he/she has a deeply inquiring mind about psychological or mystical things.
However, he/she should be careful, because they can cause delusions and illusions, interfering with the accurate and objective recognition of the real world.
He/She may have longing for death and the suicide wish and will die in mysterious ways which is difficult to specify the causes such as disappearance or sudden death.
Besides, he/she is prone to abuse of drugs and alcohol, and in some cases, he/she can die due to them.
He/She may be gullible or scammed by a malicious partner and tends to have expedient imagination and misunderstandings, believing only in his/her partner's false display of wealth, so it is important for him/her to have an insight into the real nature of the partner.