huò (misfortune, disaster)

shì (cult) with  nèi (inside)

under kǒu (mouth)

So what's the mnemonic?  Well, maybe you're in a cult, a real insider, and you've got to listen to the guru, the big mouth, or you're going to hell and burn in fire (another huǒ).  Okay, that's lame, but sheesh, I don't know...

  chuǎng huò (get into trouble; suffer disaster/accident)