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The Four of Pentacles in Tarot and How to Read It

Andrea has a background in Myers-Briggs and Western astrology. She mostly writes about relationships.

The Four of Pentacles calls into question your relationship with money. The card indicates you're prioritizing material things over your spirit. This is resulting in tarnished relationships and a poor view of yourself.

The Four of Pentacles calls into question your relationship with money. The card indicates you're prioritizing material things over your spirit. This is resulting in tarnished relationships and a poor view of yourself.

Four of Pentacles

The Four of Pentacles indicates someone who loves material wealth. This could be a hoarder. This person doesn't like to share. Think of a squirrel who is trying to run away with as many nuts as possible and refuses to give other animals any food.

The reversed Four of Pentacles indicates someone who spends too much. They are more likely to gamble away their savings. They splurge and/or take too many risks. This person often feels the negative consequences of their spending habits, and they avoid self-control like the plague.

Card Alignments

Upright

Saving money, hoarding, security, conservation, control, long-term plans, frugal, big dreams, financially responsible, budgeting, accounting, resourceful, clean.

Reversed

Over-spending, greedy, self-protection, self-interest, selfish, materialistic, splurge, binge, gambling, reckless, no limits, risk-taker, overly adventurous, easily tempted.

The Four of Pentacles indicates you need to reevaluate your relationship with money. Something isn't right. You might be too conservative with your money. You're hoarding and not making the best financial decisions.

The Four of Pentacles indicates you need to reevaluate your relationship with money. Something isn't right. You might be too conservative with your money. You're hoarding and not making the best financial decisions.

Tarot Suits

CategoryWandsPentaclesSwordsCups

Element

Fire

Earth

Air

Water

Represents

Free-will

The Body (Physical Manifestation)

Thoughts

Emotions

Colors

Red

Green

Yellow

Blue

Numbers

1, 5, 9

2, 6, 10

3, 7, 11

4, 8, 12

Animals

Land Mammals

Reptiles

Birds

Fish

Seasons

Summer

Spring

Winter

Fall

Planets

Mars, Sun, Jupiter

Mercury, Venus, Saturn

Mercury, Venus, Uranus

Moon, Pluto, Neptune

The Body

Head, Heart, Thighs

Throat, Chest, Legs

Arms, Belly, Ankles

Hands, Root Chakra, Feet

Four Humors

Yellow Bile

Black Bile

Blood

Phlegm

Yin and Yang

Yang

Yin

Yang

Yin

Western Astrology

Aries, Leo, Sagittarius

Taurus, Virgo, Capricorn

Gemini, Libra, Aquarius

Cancer, Scorpio, Pisces

Poker Cards

Clubs

Diamonds

Spades

Hearts

Court Cards

Knight

Page

King

Queen

Card Description

This card depicts a man sitting on a stool outside his village. His arms are wrapped over his chest, and he is tightly holding onto a coin. The man fears he will drop this coin or that someone will try to take it.

The man balances a pentacle on his head, while his feet rest on top of two coins. Because this man is so attached to money, he refuses to get up and leave any of it behind. He has no family or friends near him and appears to be a lonely man who is fixated on his wallet.

Saving your money will protect you. The good news about the Four of Pentacles is that it shows your long-term plan for wealth has begun to unfold. The card encourages you to reevaluate your plans and stay on target.

Saving your money will protect you. The good news about the Four of Pentacles is that it shows your long-term plan for wealth has begun to unfold. The card encourages you to reevaluate your plans and stay on target.

Upright Four of Pentacles

The upright Four of Pentacles is about examining your relationship to money. Are you doing what you can to accumulate wealth or are you spending every coin on unnecessary purchases?

You may have a fear that if you spend any money, you will go bankrupt. Perhaps you're avoiding all your friends and family as a form of financial protection. You don't want to spend money on them or to fall prey to peer pressure. You also don't want to get caught up in social things and end up spending money on parties, dinners, and gifts.

The Four of Pentacles suggests you have created wealth. You are attentive to your long-term plan and this has turned into tangible wealth for you. You're living a simple life so that you won't spend too much on things you don't need. You've learned some tricks to protect your wealth.

Time to Review Long-Term Plans

Now is a good time to review your retirement plan, family budget, savings, and the like. You are likely overlooking something. Check to see if there are any small moves you can make to amplify your wealth.

You could also hire a financial advisor to keep track of your money for you. A financial expert can give you advice on investing, increasing your property value, and how to navigate the stock market.

Assess the Balance Between Abundance and Friendship

The Four of Pentacles indicates a time of stockpiling resources. You want to have more than you need; you want a surplus. You want a rainy day fund.

Keep in mind, however, that money isn't everything. You might be missing out on important things because you are being too conservative with your money. Also, if you're being too conservative and avoiding people, you could be missing out on connections that could help you grow financially.

You're not going to run into a financial wizard if you refuse to make connections with others. What do I mean by a financial wizard? I mean someone who can magnify your wealth, someone who has your best interest at heart, and someone who will push you to take risks like buying real estate or investing in a new type of business.

If you're too strict with your money, you'll likely lose social connections. People will think you're cheap and unwilling to try new things. They'll think your house is boring, and you don't have anything exciting at your home. They make fun of your house, calling it an affordable shoebox.

Consider Your Satisfaction With Life

You might be sacrificing happiness for the sake of your giant money pile. If you're not careful, you're going to turn into Scrooge McDuck (you spend your afternoons swimming in a pile of gold coins). There is a difference between saving up money for long-term plans and saving up money to never use it out of a fear that you'll lose all of it. You need to address the fear that's preventing you from spending your money at all.

Try to find a balance with your spending habits. Know when to be conservative and when it's okay to splurge. You want to save more than you spend, but you also want to spend to get ahead.

Remember that what you buy can be traded or sold. Invest in your house, paint some rooms, and raise the value of your property. Money isn't just what you put into the bank.

Is Materialism Reigning Over Your Spirit?

You may be putting too much value on money and material possessions. You don't want the material world to rule over your spirit. You need to connect with others and you need to connect with your own thoughts.

Prioritize your self-care. Don't sacrifice your mental health for a high-paying job that's too stressful. Don't become so attached to money that you don't know what's really important anymore.

Are You Micromanaging Others Out of Fear?

This card could also indicate that you're micromanaging others. You don't know how to trust people or lead them. You're too possessive and critical. You assert yourself out of fear of losing your job, not getting a promotion, that you'll lose your standing, or have no money.

Your toxic relationship with money is causing your social relationships to sour. If you continue to micromanage, you'll be met with resistance. People don't like self-entitled and imposing managers.

Are You Hiding Your Talent?

The Four of Pentacles reminds me of a parable from the New Testament. The parable appears in Matthew 25:14-30 and Luke 19:11-27.

In both Matthew and Luke, a master puts his servants in charge of his goods while he leaves for a trip. When the master returns, he assesses how the servants handled his goods.

The master evaluates the servants on how wise they were with investments. The master wanted the servants to create profit while he was absent. If a servant gained money then he showed faith in his finances and his master's teachings.

Two servants are judged faithful for their wise investments. Those two servants are rewarded. One servant is deemed unfaithful and is rebuked for his choices.

The servant who was considered unfaithful hid his money while the master was gone. In the Gospel of Hebrews, there is a similar tale. In that story, the one who hid his money is rebuked while the wealthiest servant who squandered his money away is cast out of the group.

The Reversed Four of Pentacles shows you have a desire to let go of your money. You may have a problem with splurging. You may also be realigning your values. You might be breaking your toxic relationship with money.

The Reversed Four of Pentacles shows you have a desire to let go of your money. You may have a problem with splurging. You may also be realigning your values. You might be breaking your toxic relationship with money.

Reversed Four of Pentacles

The reversed Four of Pentacles indicates a time of reevaluating your financial options. You may be in a situation where you need to realign your values and put more energy toward your self-care.

Chasing after money and hoarding up as much wealth as possible can come with some serious stress. Your baseline stress could be out of whack, as in your stress level looks like Mt. Everest. You need to lower your stress to a manageable level. You want your stress level to look flat.

When you've put too much focus on the material world, your spirit can suffer. Your relationship with yourself might be out of alignment because of your love of money. You may have no clue what's going on in your subconscious, which can easily turn you into a toxic person who others would rather avoid than engage.

The reversed Four of Pentacles indicates you are loosening your grip on the need to surround yourself with toys. You're realizing that having all the latest and greatest inventions doesn't really satisfy you on a gut level.

Take Time to Find Balance

The number four in tarot is about security, stability, and balance and is often a sign that encourages rest, recuperation, and mindfulness. It's a time to recover and align with the right priorities. Four brings you out of chaos and into a more neutral space.

Since the Four of Pentacles has to do with tangible objects, you could consider the card in the reversed position as the "Marie Kondo" card. You're encouraged to tidy up. Declutter your rooms. Get rid of objects that no longer serve a purpose nor spark joy. Take a minimalist approach to your surroundings.

You want to get in better touch with yourself. Money shouldn't be your number one priority. Money is a means to an end; it's not the end goal. It's merely transactional.

Now is the perfect time to redefine your relationship with material possessions and wealth. You don't want to be so obsessed with money that you tarnish your friendships.

Assess Your Splurge Addict Tendencies

The card could indicate that you're living too wildly with your money. You splurge with very little prompting. You're addicted to gambling even if you know the house always wins. You may be spending wildly because you want to distract yourself from your thoughts and the things that really matter.

You get an adrenaline kick out of spending money, but there is always a crash. You keep buying to get that good feeling from showing off your wallet. Just remember: you have to reap the consequences of your spending.

A Sign That You Can't Get Enough

You want more. You never feel satisfied. You're constantly on the hunt for more money and material possessions. What you're really doing is standing in the way of yourself. You're avoiding getting to know your thoughts. You're avoiding growth. You refuse to mature because you're afraid of progressing to the next chapter in your life.

Money is a measure of one's choices. Your financial decisions represent how you perceive the world and yourself. When your spending is out-of-whack it indicates that you're out-of-whack with yourself. In fact, one of the first ways people can tell that someone is struggling with dementia is when they've lost their grip on spending.

Make Time for Inner Focus and Care

Create more certainty for yourself by focusing on the inner you. Stop looking for gratification and acceptance from the external world. You'll never find true, lasting happiness from the external world. Control your inner environment. You need to calm down and not be carried by chaos.

You can work with your subconscious by managing your external world. What you want to do is neutralize it. Declutter your house, organize your surroundings, and get out the wash bucket. If your surroundings are clean it'll be easier to relax and calm your inner voice. A clean space helps you to think and process your thoughts. When you have too many items around you it can clog your intuition.

More to Know

Etymology

Penta is the Greek word for five. The word pentacle comes from the Medieval Latin word pentaculum. Pentacle is a late 16th-century creation.

The pentacle was considered a mathematical figure used in magical ceremonies to ward off demons and other bad energies. The Italian word pentacolo means "anything with five points." The French pentacle was used in necromancy; the French word may indicate a five-branched candlestick.

Pentacle Usage

In old grimoires, a pentacle is worn around the neck. The item provides protection. Pentacles are used as summoning devices and for spiritual evocations.

In tarot, pentacles are a synonym for coin. The Rider-Waite-Smith tarot deck was the first to include the Suit of Pentacles. Arthur Edward Waite was responsible for the pentacle design that people are familiar with today.

In math, a pentacle is a five-pointed star made up of ten line segments. It looks similar to a pentagram but has no interior lines.

Pentacles and the Other Suits

The pentacle is a complex tarot symbol. The other suit symbols are merely objects: wands, swords, and cups. The pentacle is a pentagram with a circle around it. The pentagram has been around for millenniums and has had every meaning under the sun applied to it.

The pentacle has been a popular symbol among different cultural and religious groups. The pentacle is also an important concept in math.

The fact that this symbol has a tie-in with math shouldn't be lost. The earth element is drawn to numbers. Earth seeks to have tangible counts. As for the other elements: fire doesn't really know how to count or organize numbers, air looks for abstract numbers, and water wants to merge all numbers.

The earth element has the best organizational skills when it comes to tangible resources, and this includes money. The pentacle in a way is a symbol for having a good relationship with math and your own personal finances.

This article is accurate and true to the best of the author’s knowledge. Content is for informational or entertainment purposes only and does not substitute for personal counsel or professional advice in business, financial, legal, or technical matters.

© 2021 Andrea Lawrence

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