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The Nine 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 Nine of Pentacles indicates that you are savvy with money. You have enough wealth that you can live comfortably. You're also connected to nature and your spirit. You're living a balanced, healthy life. You know how to make your wealth last.

The Nine of Pentacles indicates that you are savvy with money. You have enough wealth that you can live comfortably. You're also connected to nature and your spirit. You're living a balanced, healthy life. You know how to make your wealth last.

Nine of Pentacles

This card indicates a person who is financially responsible and makes good choices with their money. They've aligned themselves with activities, people, and items that yield profit.

The person on the card represents a financially independent person who is not calling up their parents for money. They're not paying bills with seashells and lint and have figured out how to navigate this world in a way that works for them.

The Suit of Pentacles represents the earth element and focuses on matters like health, wealth, career, family, property, and legacy. Specifically, the Nine of Pentacles indicates someone who has reached enlightenment and maturity on these matters.

Card Alignment

Upright

Financial stability, wealth, luxury, security, comfort, independence, personal pursuits, leverage, upper class, needs met, providence, fertility, paradise, treating yourself well.

Reversed

Excess spending, co-dependent on finances, inadequacy with money, impoverished emotionally or spiritually, alone in personal pursuits, atrophy, risky financial behavior.

The Nine of Pentacles indicates lasting wealth. You can live comfortably and not in fear of excessive bills. You can survive an emergency because you have a surplus for that very reason. You are wise and people see you that way.

The Nine of Pentacles indicates lasting wealth. You can live comfortably and not in fear of excessive bills. You can survive an emergency because you have a surplus for that very reason. You are wise and people see you that way.

Card Description

In the Rider-Waite-Smith deck, the Nine of Pentacles shows a woman surrounded by grapevines, which are a symbol of abundance, fertility, and paradise. The woman pictured on the card is part of the upper class. Her dress is beautiful, and it appears to be made of gold. There are nine pentacles behind her; they reach up to her waist.

In a way, we can deduce that the money reaching up to her waist (half her body) indicates a lesson on the subconscious and conscious. Since most tarot cards deal with the subconscious and conscious, this isn't really out of the norm.

We can assume the hard work of her physical body has resulted in rewards for her subconscious. Also, her subconscious and conscious are working in concert. This is why she's happy, wealthy, and productive.

This woman may have been given an unfair advantage and perhaps that's why she is so wealthy—she may have been born into wealth. However, she also could have worked for her money. Either way, she represents the ideals of contentment.

Some would argue her face looks too neutral to portray contentment; however, the rest of the card has a yellow, sunny disposition about it. The woman seems to be balanced when it comes to the material world and her spirit. She isn't looking to the money. Her focus: on a hooded falcon. The bird is representative of her aristocratic status and her ignorance of the outside world. The air element is represented by the bird, and the bird can't see anything. Even though this woman has learned many lessons from earth, she doesn't have a relationship with air.

The woman on the card isn't 100% fulfilled. Keep in mind that this is the Nine of Pentacles, not the Ten. She still has room to grow.

The woman is unaware of a blue snail near her foot. Since she doesn't notice it, the snail is at risk. This shows that the woman doesn't always see how her actions have consequences. The snail could represent people who are outside of the garden.

Her robe is decorated with flowers. This indicates she is romantic, in-tune with her senses, and fashionable. Flowers relate to spring; since we're studying the earth element, this card could relate to a Taurus in someone's life.

Tarot Suits

CategoryWandsPentaclesSwordsCups

Element

Fire

Earth

Air

Water

Represents

Freewill

The Body (Physical Manifestation)

Thoughts

Emotions

Color

Red

Green

Yellow

Blue

Animal

Land Mammals

Reptiles

Birds

Fish

Body

Head, Heart, Thighs

Neck / Throat, Chest, Legs

Arms and Shoulders, Belly, Ankles

Hands, Root Chakra (Spine Base), Feet

Four Humors

Yellow Bile

Black Bile

Blood

Phlegm

Temperature / Moisture

Hot and Dry

Cold and Dry

Hot and Wet

Cold and Wet

Seasons

Summer

Spring

Winter

Fall

Yin and Yang

Yang

Yin

Yang

Yin

Ruling Planets

Mars, Sun, Jupiter

Mercury, Venus, Saturn

Mercury, Venus, Uranus

Moon, Pluto, Neptune

Western Astrology

Aries, Leo, Sagittarius

Taurus, Virgo, Capricorn

Gemini, Libra, Aquarius

Cancer, Scorpio, Pisces

Poker Card Equivalents

Clubs

Diamonds

Spades

Hearts

Court Cards

Knight

Page

King

Queen

Is there anything missing for someone with Nine Pentacles? This person needs to engage a little more in relationships and to consider future generations. They have the wealth, but they need more compassion.

Is there anything missing for someone with Nine Pentacles? This person needs to engage a little more in relationships and to consider future generations. They have the wealth, but they need more compassion.

Upright Nine of Pentacles

The card first indicates financial independence. It shows a person who is self-reliant and capable of having their own personal pursuits. They're comfortable because of their wealth and can treat themselves with luxury. Since their wealth is established, they can engage in their free will more.

This is someone whose needs have been met. There are two types of people who fit this card: (1) someone who has worked hard for their money, and (2) someone who was born into money. Often the aristocratic card indicates someone who was born into wealth rather than someone who earned it.

The Nine of Pentacles indicates security, identity protection, and sensibility. For many, the hope is to live a life without having to worry about bills. You want a healthy relationship with money. Money serves you; money makes for a terrible master.

You Have Healthy Financial Relationships

You must employ self-control if you want to have a healthy relationship with money and objects. In the background of the card is a large house. This indicates the woman has a place where she can take shelter and where her finances can continue to bless her.

You need confidence if you want to stabilize your money. You can't just wallow in your sorrows. You have to make choices with your money, preferably ones that will benefit you in the long term.

What's a better idea: buying those cute shoes or investing your money? If you want financial freedom you have to think more critically about your choices.

When you're financially secure, you can invest in more leisure time, fun, and material comfort. You can splurge a little, you're allowed to pamper yourself, and you can reward yourself for your hard work. Your actions and efforts have a direct correlation to the wealth you bring home. You must be diligent about connecting with what provides for you rather than what takes from you.

You want to create abundance so that you can take care of yourself in the long term. You want enough money that when you're sick, you'll be okay. You want enough money that you can retire comfortably.

You Are Spiritually Connected

You are in harmony with your environment. Your spending doesn't harm nature. You're conscientious and look for ways to reuse, recycle, and redo things. Someone who is good at limiting waste and seeing the value in things will go the distance.

This card could also indicate someone who likes to garden. This person may spend a lot of their time outside, where they feel like they can truly unwind and hear their own voice clearly.

Consider the pentacles as seeds or fruits. You want to have a large harvest. You want to look out your window and see that your fruit tree is thriving. A healthy fruit tree is a metaphor for a healthy spiritual life.

Consider the pentacles as seeds or fruits. You want to have a large harvest. You want to look out your window and see that your fruit tree is thriving. A healthy fruit tree is a metaphor for a healthy spiritual life.

Reversed Nine of Pentacles

This card acts as a wake-up call. You're spending way beyond your means. You may enjoy all the things you buy, and you may even feel you have a right to them. The problem: you're going to go broke if you keep spending your money and don't put yourself in check.

No one has a never-ending bag of money. You have to watch your finances. In fact, those who have the most wealth know how to make their money last. They employ accountants and financial advisors to watch and grow their wealth. You need to stop letting your impulses and eyes buy things for you. Stop shopping online: you don't have good spending habits and you need to address this.

Learn How to Value Yourself

Take time out of your day and reflect on your own sense of self-worth. Do you value yourself? You need to listen to your thoughts and learn to appreciate your own contributions to the world. If you're unhappy with yourself, now is the time to address that. Realign yourself so that you have more contentment and less guilt. You are in charge of your sense of self-worth.

You are enough. You need to allow yourself to heal so that you feel connected to your higher purpose again. Somehow along the way you've lost sight of your value. It's time to do some digging to figure out what is at the core of that.

Here are some questions to consider in your quiet time:

  • What were things I loved when I was a child?
  • Where does my curiosity fall? What makes me curious?
  • How do I spend my reading time? Look, be honest. Every day you are inundated with social media and other things that require you to read, so are you reading the best quality stuff? The content you absorb matters.
  • Are my basic needs getting covered? What do I need to do to fix this? (You should have food on the table, a place to sleep, clothes to wear, and a roof over your head.)
  • What am I doing that's productive, and what am I doing that's unproductive?
  • Am I spending time with those I love?
  • Is my current job gratifying?
  • What is something I want to do before I die?

Invest More in Your Needs

Sometimes what we need to do to increase our sense of self-worth is invest more in our basic needs. Now is the time to eat better: stop eating packaged ramen and Lunchables. Eat real food that's going to nourish you. Improve your cooking skills. When you have a better diet, you'll feel better.

Instead of sleeping on the same mattress, invest in a new one. Do you have constant back pain? Your mattress might not be right for you. Invest in comfortable furniture, get a massage chair, and change out your showerhead to one with better settings. Your old furniture might be inadequate.

Also, take a look at your clothes. Get rid of ones that don't fit and never will again. If you have a lot of faded clothes and ones with holes, you should decide whether these can be repaired or donated. Invest in clothes that fit you and your present. People often feel better when they have clothes that better serve them.

Finally, what is the condition of your home? Have you been living in the same old apartment for the past 15 years? We often outgrow our environments. It's not wise to stay in the same college dorm your whole life. You should find a property that really fits your needs and style. A house that's more updated and in better condition could help you to have a better sense of self. (A house that you own is an investment. Renting a house or living in an apartment isn't an investment.)

You Are Deprived of Energy

The reversed Nine of Pentacles can indicate that you're working too hard and sapping yourself of energy. If you continue at this pace, you could actually have a breakdown. Working too much isn't good for your mood and can put a strain on the relationships that really matter to you.

If in an effort to build wealth you're working 60+ hour weeks, you will likely burnout. You need to take breaks. You need to let your mind rest. Your mind is like your body: it can't constantly be on the grind.

I tried for one week to exercise three hours a day. This was a terrible idea that resulted in me having mood swings and body aches everywhere. I was pushing myself too hard and too fast. An hour of exercise a day is just fine. You have to know your max limit and be reasonable with what you're doing.

The reversed Nine of Pentacles encourages you to go out into nature for healing. Take a break from the office and nine-to-five grind. Your mind will refresh when you focus more on rivers, mountains, beaches, and forests.

Breaks are like water for the mind. Your body needs water to perform well. Your brain needs relaxation in order to reach its apex.

You're Too Trendy

You don't need all the latest and greatest. Don't drain your money on things you don't need or don't spark joy. At the end of the day, all you need are your loved ones. I encourage you to study the Suit of Pentacles in relation to the Suit of Cups. These two suits have similar end goals, but really what you need are the lessons of the Suit of Cups to find the lasting happiness you desire. The Suit of Pentacles is meant to give you the means for lasting happiness, but the means are not the end.

Don't be afraid to reduce your hours at work to get in better touch with your family and friends. The goal is to be balanced and have a healthy relationship with money. You don't want to overspend; you also don't want to spend all your time working and then lose touch with your social connections.

How Healthy Is Your Relationship to Money?

For each question, choose the best answer for you.

  1. How would you describe your credit score?
    • Abysmal
    • Can't get much worse
    • It's bad, but it's not rock bottom bad
    • I haven't built up a lot of credit and have a lot of debt, but it's manageable
    • It's been bad, but I'm just starting to get on track
    • Neutral. Depending on what I do next it could be bad or good
    • It's okay. Not brag worthy, but okay
    • I feel financially secure and independent, but my score isn't as high as it could be
    • I'm in a pretty good spot at this point
    • My credit score is excellent
    • My credit score and knowledge is so good I could teach classes or advise others
  2. You need help with money one day. Where do you turn?
    • Payday loans
    • I take a second mortgage on my house
    • My parents or grandparents
    • I look for a new seasonal or part-time job
    • I sell things I don't need, I cancel subscriptions, and I reorganize my budget
    • A professional financial advisor
  3. Describe your spending habits
    • I save more and spend less
    • I buy whatever I want whenever I please
    • If I buy more things, I make sure to earn more and use coupons
    • I take risks. Gambling isn't for the faint of heart
    • I have no relationship to credit cards. I use my checking account for everything
    • I don't keep track of my budget. I hardly ever look at my bank account, but I never go below a certain number
  4. Where do you spend too much money?
    • I don't
    • Clothes
    • Food
    • Housing (I do make my payments, it's just expensive!)
    • Housing (Struggling to make payments)
    • Travel
    • Gambling
    • My pets! (Though, I don't break the bank or anything like that)
    • Medical
  5. Do you check prices carefully on restaurant menus?
    • They have prices?
    • I skim through them
    • I don't read them, but I don't go to places that are too extravagant
    • I don't read them. I buy whatever I want.
    • I have a limit that I work with. I read food descriptions and check the prices carefully
    • I avoid items that are really pricey and that's about it
  6. What's a good long term investment?
    • Mooching off my parents
    • Gambling
    • Getting involved with sketchy people
    • Going to college and taking on loans
    • Saving all my coins in a jar and then depositing them in a bank
    • Setting up a Roth IRA
    • Setting up a 401(K)
    • Working with a financial advisor on a master plan
    • Investing in big return but risky stocks
    • Investing in slow but consistent stocks
    • Exchanging all your money for cryptocurrency
    • Building up passive income
  7. How do you protect your money?
    • Invest in it
    • Buy insurance coverage
    • Avoid spending altogether
    • Gamble it!
    • Daily learn more about personal finance
    • Put it in a safe
    • Hide it throughout the house
    • Not worry about it so much
  8. Where do you get financial tips?
    • From my financial advisor
    • Most of the social media I follow has to do with financial advice
    • I listen to daily podcasts about money
    • Wherever!
    • From ancient books about kings
    • From sports betting websites
    • My church has a financial planning group for adults
    • I have a network of advisors who have different financial expertise
    • I read books about money
    • I'm an accountant
  9. Are you living paycheck to paycheck?
    • Yes
    • No
  10. If you had to pony up $1,000 for an emergency, would you be okay?
    • Yes, comfortably so
    • Yes, I have an emergency fund
    • Yes, but it does sting
    • Not possible
    • No, I'll have to borrow from parents or somewhere
  11. Do you spend more than you save?
    • Yes
    • No
  12. Do you have a long-term plan for financial growth?
    • Yes
    • No
  13. What is the most expensive thing that you own?
    • Clothes
    • A house
    • A car
    • My guitar
    • Food
    • My bed
    • My student loans
    • My boat
  14. What do you do if you travel overseas?
    • Call my bank to let them know
    • I will never be able to afford overseas travel
    • Get travel insurance
    • Gamble!
    • Budget ahead of time
    • I do whatever I want, but I have a max spending limit per day
    • I rely on someone else to pay for things
  15. Have you been progressively earning more money each year?
    • Yes
    • Generally so
    • I'm switching careers, so yes and no
    • No
    • I've been making less money each year

Scoring

Use the scoring guide below to add up your total points based on your answers.

  1. How would you describe your credit score?
    • Abysmal: -5 points
    • Can't get much worse: -4 points
    • It's bad, but it's not rock bottom bad: -3 points
    • I haven't built up a lot of credit and have a lot of debt, but it's manageable: -2 points
    • It's been bad, but I'm just starting to get on track: -1 point
    • Neutral. Depending on what I do next it could be bad or good: +0 points
    • It's okay. Not brag worthy, but okay: +1 point
    • I feel financially secure and independent, but my score isn't as high as it could be: +2 points
    • I'm in a pretty good spot at this point: +3 points
    • My credit score is excellent: +4 points
    • My credit score and knowledge is so good I could teach classes or advise others: +5 points
  2. You need help with money one day. Where do you turn?
    • Payday loans: -5 points
    • I take a second mortgage on my house: -3 points
    • My parents or grandparents: -1 point
    • I look for a new seasonal or part-time job: +1 point
    • I sell things I don't need, I cancel subscriptions, and I reorganize my budget: +3 points
    • A professional financial advisor: +5 points
  3. Describe your spending habits
    • I save more and spend less: +5 points
    • I buy whatever I want whenever I please: -5 points
    • If I buy more things, I make sure to earn more and use coupons: +3 points
    • I take risks. Gambling isn't for the faint of heart: -3 points
    • I have no relationship to credit cards. I use my checking account for everything: +1 point
    • I don't keep track of my budget. I hardly ever look at my bank account, but I never go below a certain number: -1 point
  4. Where do you spend too much money?
    • I don't: +5 points
    • Clothes: -4 points
    • Food: -1 point
    • Housing (I do make my payments, it's just expensive!): +1 point
    • Housing (Struggling to make payments): -3 points
    • Travel: -2 points
    • Gambling: -5 points
    • My pets! (Though, I don't break the bank or anything like that): +0 points
    • Medical: +1 point
  5. Do you check prices carefully on restaurant menus?
    • They have prices?: -5 points
    • I skim through them: +1 point
    • I don't read them, but I don't go to places that are too extravagant: +1 point
    • I don't read them. I buy whatever I want.: -5 points
    • I have a limit that I work with. I read food descriptions and check the prices carefully: +5 points
    • I avoid items that are really pricey and that's about it: +3 points
  6. What's a good long term investment?
    • Mooching off my parents: -3 points
    • Gambling: -5 points
    • Getting involved with sketchy people: -5 points
    • Going to college and taking on loans: -2 points
    • Saving all my coins in a jar and then depositing them in a bank: -1 point
    • Setting up a Roth IRA: +5 points
    • Setting up a 401(K): +4 points
    • Working with a financial advisor on a master plan: +5 points
    • Investing in big return but risky stocks: +2 points
    • Investing in slow but consistent stocks: +4 points
    • Exchanging all your money for cryptocurrency: -2 points
    • Building up passive income: +3 points
  7. How do you protect your money?
    • Invest in it: +5 points
    • Buy insurance coverage: +3 points
    • Avoid spending altogether: +1 point
    • Gamble it!: -5 points
    • Daily learn more about personal finance: +3 points
    • Put it in a safe: +3 points
    • Hide it throughout the house: -4 points
    • Not worry about it so much: -3 points
  8. Where do you get financial tips?
    • From my financial advisor: +5 points
    • Most of the social media I follow has to do with financial advice: +2 points
    • I listen to daily podcasts about money: +1 point
    • Wherever!: -5 points
    • From ancient books about kings: -5 points
    • From sports betting websites: -5 points
    • My church has a financial planning group for adults: +2 points
    • I have a network of advisors who have different financial expertise: +5 points
    • I read books about money: +3 points
    • I'm an accountant: +5 points
  9. Are you living paycheck to paycheck?
    • Yes: -3 points
    • No: +5 points
  10. If you had to pony up $1,000 for an emergency, would you be okay?
    • Yes, comfortably so: +5 points
    • Yes, I have an emergency fund: +5 points
    • Yes, but it does sting: +1 point
    • Not possible: -5 points
    • No, I'll have to borrow from parents or somewhere: -3 points
  11. Do you spend more than you save?
    • Yes: -5 points
    • No: +5 points
  12. Do you have a long-term plan for financial growth?
    • Yes: +5 points
    • No: -5 points
  13. What is the most expensive thing that you own?
    • Clothes: -5 points
    • A house: +5 points
    • A car: +3 points
    • My guitar: -4 points
    • Food: -5 points
    • My bed: +0 points
    • My student loans: -4 points
    • My boat: +3 points
  14. What do you do if you travel overseas?
    • Call my bank to let them know: +5 points
    • I will never be able to afford overseas travel: -5 points
    • Get travel insurance: +5 points
    • Gamble!: -5 points
    • Budget ahead of time: +5 points
    • I do whatever I want, but I have a max spending limit per day: +3 points
    • I rely on someone else to pay for things: -2 points
  15. Have you been progressively earning more money each year?
    • Yes: +5 points
    • Generally so: +3 points
    • I'm switching careers, so yes and no: +0 points
    • No: -3 points
    • I've been making less money each year: -5 points

Interpreting Your Score

A score between -73 and -29 means: You're not in good financial shape! This shouldn't be a surprise to you. You take too many risks with money and you may have a gambling problem. You don't think loans through when you signup for them. You need to get in touch with a financial advisor to get you on track. Put yourself out there to get a better job. You should really rethink your priorities.

A score between -28 and 15 means: Financially co-dependent. Your financial wellness isn't perfect. You might be young and trying to build up credit, or you're new to money. You have student loans and need co-signers. Your priorities aren't quite on target. You have room to grow. You rely on your parents or spouse to cover your bills.

A score between 16 and 45 means: Financially neutral. With hard work, you can improve your credit score and financial standing. You need to be more decisive with your money and work with experts. Now might be the time to look for a new job or promotion. Your lifestyle is somewhat sustainable, but if an emergency comes knocking on your door, you might not survive.

A score between 46 and 60 means: You're in a good spot financially. Your credit score is looking good, and you're pretty knowledgeable when it comes to money. People trust you to make the right choices. You know you need to spend less and save more. You also prioritize your earning potential. You won't stay at a job forever if it doesn't pay more. You can survive an emergency.

A score between 61 and 75 means: You are excellent with money to the point that you could be a financial advisor. You make sure your credit score is in good shape and that your debt is kept to a minimum. You have excellent instincts when it comes to things like the stock market and investing. You don't make choices on a whim. You have long-term strategies.

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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