Five of Pentacles
Imagery & symbolism
Cards
Notable interpretations of the Five of Pentacles from different decks and traditions.















Related colors
Represents Geburah on the Tree of Life, emphasizing the card's themes of challenge and severity.
Evokes the feelings of coldness and exclusion, often depicted in the card's imagery as snow or cold weather.
Reflects the influence of Mercury, highlighting communication and intellect within the context of material struggles.
Embodies the astrological sign Taurus, associated with the card, emphasizing practicality and material focus.
Suggests muted wealth or challenged prosperity, relevant to the financial aspects often depicted in the card.
Meaning & interpretation
TL;DR
👉 The Five of Pentacles symbolizes a challenging period of financial and material hardship, highlighting the need for reassessment and the discovery of inner resources and support.
Upright
⬆️ The upright Five of Pentacles is all about financial and material adversity. It speaks to a phase in life where the stability and security once found in material wealth have seemingly evaporated, leaving in their wake a profound sense of loss and isolation. This card often appears during times of economic downturns, such as job loss, mounting debts, or unexpected expenses, painting a picture of struggle that extends beyond mere financial constraints. It's a stark reminder of the transient nature of material security and the ease with which external circumstances can change.
The feeling of exclusion or neglect is a significant aspect here. It's about being on the outside looking in, metaphorically illustrated by the imagery of destitute figures gazing upon a place of warmth and comfort they cannot reach. This card captures the loneliness and emotional coldness that often accompany financial strain, where one feels disconnected not only from societal support systems but also from personal relationships that once provided comfort.
Reversed
⬇️ When the Five of Pentacles appears reversed, it represents a significant shift in the realm of financial and material challenges. This orientation of the card suggests a gradual emergence from a period of hardship and scarcity, signaling a turning point towards recovery and stability. The reversed position often indicates that the most challenging phase is passing, and the circumstances that once seemed insurmountable are now beginning to improve.
More importantly, this speaks to an internal transformation. It's a shift in mindset from a focus on lack and limitation to one of potential and possibilities. This is often a reflection of newfound resilience and resourcefulness. It signifies the realization that the resources needed to overcome difficulties are already within one's grasp or are becoming more accessible.
Intuitive understanding
Knowing and memorizing the symbols and meaning is one thing, but we also want to try and have an intuitive grasp of its meaning for a much deeper and more profound connection.
Personal narrative connection
The Five of Pentacles becomes more memorable when anchored to personal experience. Reflect on moments in your life that embody its energy:
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When have you felt "left out in the cold" financially or emotionally?
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Can you recall a time when pride or fear prevented you from seeking available help?
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Remember a period when material struggles revealed unexpected inner strength or community support.
Everyday language & metaphors
The essence of this card can be expressed in simple, relatable terms. The Five of Pentacles is like when...
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You're struggling to pay bills but won't ask family for help.
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You're shivering outside while overlooking the warm café right behind you.
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Your phone dies when you're lost, not noticing the charging station nearby.
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You're stuck doing everything alone, unaware that support is just a call away.
When you strip away the esoteric language, the card speaks of universal experiences we've all certainly encountered.
Emotions
Each tarot card carries a unique emotional signature. For the Five of Pentacles, these core emotions create its distinctive feeling:
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Primary: Vulnerability - the raw sensation of being exposed to hardship.
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Secondary: Isolation - feeling separate from sources of comfort and support.
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Undercurrent: Hope - the subtle presence of overlooked resources and potential relief.
Core essence
Simple frameworks help distill the card's essence:
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It's the "walking past help while struggling" card.
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It's the "too focused on problems to see solutions" card.
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It's the "temporary hardship teaching valuable lessons" card.
Contexts
Specific contexts
💼Career and Finances
The Five of Pentacles often signifies a challenging phase in one's career and financial life. This period may be marked by job insecurity, loss of income, or mounting debts, requiring a strategic reassessment of financial planning. It's a time to be cautious with expenditures and to explore new avenues for income, perhaps considering skills or resources previously overlooked.
⚕️Health and well-being
The Five of Pentacles can be a warning sign regarding health and well-being, particularly when financial worries take a toll on one's physical and mental health. Stress related to material issues may manifest in various health problems, or there might be a tendency to neglect healthcare due to financial constraints. The card serves as a reminder to prioritize health and seek accessible avenues for care and support.
💕Love and relationships
When it comes to relationships, the Five of Pentacles can indicate a period where financial strain is impacting emotional connections. Partners might feel the burden of economic hardship, leading to stress and a sense of alienation within the relationship. Communication is key during this time, it's crucial to share concerns and work together to navigate these challenges.
😇Spirituality and personal growth
Spiritually, the Five of Pentacles can signify a period of growth through material and worldly challenges. It encourages introspection about life's deeper meanings beyond material success and possessions. This card can be a catalyst for spiritual awakening, where one learns to find inner strength and resilience in the face of adversity.
Literal context around anxiety
In some decks, the actual name of this card is "Worry". Remember, Tarot can be more about reflection than prediction. The cards offer a mirror to your current thoughts, emotions, and circumstances rather than dictating a fixed future. The appearance of the Five of Pentacles might be highlighting current worries or challenges rather than foretelling new ones.
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This card can be seen as an opportunity to gain insight into one's situation and to grow from it. It invites introspection about how you deal with challenges and encourages seeking new strategies or support systems.
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Rather than seeing the card as a sign of impending doom, use it as a prompt to take proactive steps. This might mean reassessing financial plans, seeking advice, or finding ways to build a support network.
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Like all tarot cards, this card represents a phase of life or a facet of experience, not a permanent state. It acknowledges a challenging period but also implies the possibility of moving beyond it.
Historical evolution
The Five of Pentacles has undergone fascinating transformations since its origins in 15th century Italy. In the earliest known decks, such as the Visconti-Sforza tarot (c. 1450), the card appeared in the suit of 'Denari' (Coins) and featured a decorative arrangement of five gold coins. Over centuries, the card's imagery evolved dramatically - from these simple coin motifs to the addition of human figures and architectural elements, culminating in the Rider-Waite-Smith deck's (1909) iconic image of two figures struggling beneath a stained glass window.
The historical evolution of the Five of Pentacles reveals why it carries such complex layers of meaning about hardship and support. Its transformation from simple coins to figures passing beneath a church window shows us how the card came to represent not just financial loss, but the full human experience of hardship - including the tendency to focus on our struggles while missing available sources of help. Understanding this evolution helps us grasp why the card speaks to both material and spiritual poverty, and why it so often points to overlooked resources and community support as much as it does to difficulty itself.
Modern life contexts
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In a modern context, the Five of Pentacles can reflect the anxieties surrounding the gig economy, job automation, and financial instability in an increasingly digital and interconnected world. It speaks to the challenges of finding stability in a fast-paced, ever-changing economic landscape.
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From a psychological viewpoint, this card can represent the emotional and mental impact of living in a materialistic society. It might point to the emptiness or dissatisfaction that can come from an overemphasis on material wealth, encouraging a reevaluation of what truly brings fulfillment and contentment.
Culturally specific interpretations
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In some cultures, the Five of Pentacles may resonate as a symbol of community struggle, reflecting shared economic hardships or the impact of societal issues like poverty and inequality. It can highlight the importance of communal support and the strength found in collective resilience.
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In certain spiritual or religious contexts, this card might be seen as a test or trial of faith, where material hardship leads to spiritual deepening. It can symbolize the journey of moving through material struggles to find greater spiritual meaning or purpose.
Alternative interpretations
Yes/no meaning
🚫Upright
The Five of Pentacles upright typically leans towards a 'No.' It suggests that the situation in question may not currently be moving towards a positive outcome, or it may warn of potential difficulties ahead. However, in specific contexts where challenges are essential for growth or learning, it might indicate a 'Yes.'
✅Reversed
The reversed Five of Pentacles is more inclined towards a 'Yes.' It suggests that the situation is improving or that the answer to the question is favorable, especially if it concerns recovering from a difficult situation or finding help in challenging times. However, if the question is about maintaining the status quo in a negative situation, it might lean towards a 'No.'
Positive takes
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Signifies personal growth through adversity, highlighting resilience and the development of inner strength in facing financial and material challenges.
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It prompts a reevaluation of what's truly important, encouraging a focus on meaningful relationships and experiences over material wealth.
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Serves as a reminder to seek support and connect with others, emphasizing the value of community and shared help during tough times.
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Represents an opportunity for spiritual deepening, where material struggles lead to exploring and valuing inner resources and spiritual connections.
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Encourages an appreciation for current blessings, fostering gratitude for life's non-material aspects and smaller joys, even in hardship.
Negative takes
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Often symbolizes severe financial difficulties, such as loss of income, debt, or poverty, leading to material insecurity.
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It can indicate health issues or a decline in physical well-being, often exacerbated by stress or lack of resources.
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Represents feelings of exclusion, loneliness, or being overlooked by others, contributing to emotional and social distress.
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Reflects deep worries about material and financial matters, leading to stress and mental health challenges.
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Suggests a period of instability and insecurity, both in terms of material resources and a general sense of safety and well-being.
Influences
Esoteric connections
The Five of Pentacles holds significant meaning within several esoteric traditions, offering deeper layers of understanding beyond its surface interpretations.
Qabalistic association
In the Hermetic Qabalah, the Five of Pentacles corresponds to Geburah (Severity) in the suit of Earth. This connection emphasizes how material challenges serve a higher purpose in spiritual development - they are not random hardships but necessary aspects of soul evolution. Geburah represents the breaking down of what no longer serves, creating space for renewal.
Tree of Life placement
On the Qabalistic Tree of Life, the fives occupy the sphere of Geburah (Din), associated with necessary destruction, judgment, and discipline. The Five of Pentacles specifically channels these qualities into the material realm, representing the dissolution of material attachments for greater spiritual growth.
Geburah on the Tree of LifeHebrew letter correspondence
The Five of Pentacles connects to the Hebrew letter Peh (פ), meaning "mouth." This association relates to how we communicate during hardship, suggesting that our words can either reinforce our struggles or help transform them. It also points to the importance of asking for help—using our "mouth" to express needs rather than suffering in silence.
Hebrew Letter Peh MeaningElemental dignities
In esoteric tarot practice, the Five of Pentacles (Earth) is considered weakened when appearing with Fire cards, strengthened with Water cards, and in a complementary relationship with Air cards. These elemental relationships suggest how different approaches (passion, emotion, or intellect) might help or hinder one's journey through material challenges.
Golden Dawn title
In the Hermetic Order of the Golden Dawn system, this card was titled "Lord of Material Trouble" or "Lord of Loss in Pleasure," emphasizing not just physical poverty but a spiritual state where material concerns overshadow higher awareness.
Alchemical symbolism
The Five of Pentacles resonates with a central concept in alchemy - the necessary process of breaking down before rebuilding:
Nigredo (Blackening)
This card powerfully embodies the alchemical phase of nigredo or "the blackening," which represents an essential stage of decomposition necessary before transformation can occur. Alchemists understood that materials must first break down before they can be reconstituted into something more valuable. Likewise, the Five of Pentacles suggests that our periods of material loss often precede our greatest growth.
The Black Phase of AlchemyNumerological: 5
The number 5 in numerology is emblematic of change, challenge, and dynamic energy. It signifies a departure from the stability and structure represented by the number 4, representing a phase of uncertainty, movement, and potential upheaval. In the context of the Five of Pentacles, these qualities of change are grounded in the element of Earth, which symbolizes materiality, practicality, and physicality. This creates a unique interplay where the instability and challenges of the number 5 are manifested in tangible real-world situations - particularly in financial and material aspects of life.
The numerological aspect of the number 5 brings with it the potential for growth through adversity. When applied to the earthly realm of the Pentacles, this growth is often realized through overcoming material challenges or learning to navigate the physical world in new and adaptive ways. The card suggests that although the journey may be fraught with material difficulties, these very challenges can be the catalyst for developing a deeper understanding of one's relationship with the material world.
The dynamic energy of the number 5 can also indicate a period of significant change in one's material circumstances. This might manifest as shifts in financial status, changes in physical health, or changes in one's environment. The Earth element anchors these changes, reminding us that while the material world is subject to flux, it also provides a platform for growth and learning.
Angel Number 5Astrological: Mercury in Taurus
Mercury - the planet of communication and intellect - in the steady and practical sign of Taurus, brings a focus on pragmatic and tangible matters. This combination in the Five of Pentacles emphasizes a need for clear, practical thinking and communication regarding financial and material issues. It suggests that solutions to material challenges require thoughtful planning and grounded, realistic approaches, aligning well with the Earth element's emphasis on pragmatism and tangibility.
While Mercury is agile and adaptable, Taurus is known for its stability and resistance to change. This astrological pairing in the context of the Pentacles can indicate difficulties in adapting to changing financial situations or a tendency to stick with established, yet possibly outdated, methods of managing material resources. It underscores the struggle to balance the need for flexibility in thought and approach (Mercury) with the desire for material stability and predictability (Taurus).
Taurus's influence on Mercury brings a reexamination of values, particularly in relation to material possessions and resources. In the Five of Pentacles, this astrological aspect can signify a period where rethinking one's approach to finances and material possessions becomes crucial. It encourages a deeper contemplation of what is truly valuable and sustainable in the long term, resonating with the Earth element's focus on enduring, substantial matters.
More on Mercury in TaurusAstrology + numerology
The dynamic, change-oriented energy of the number 5, with its themes of instability and transformation, intersects with the grounded, practical influence of Mercury in Taurus, emphasizing the need for thoughtful adaptation and clear communication in financial and material matters. This combination suggests that while navigating material challenges can be difficult, especially with Taurus's resistance to change, there's also potential for significant personal development and a deeper understanding of true value beyond mere financial wealth. This nuanced interpretation brings together the restless energy of change with the practical considerations of the Earth element, illustrating the complex journey of material and financial growth.
Card comparisons
Compared to other Pentacles
Similar
Like all Pentacles cards, the Five of Pentacles deals with material and physical aspects of life, including finances, resources, work, and health. It also shares with the suit a focus on practicality and the tangible aspects of life, emphasizing the importance of dealing with real-world issues.
Unique
The Five of Pentacles uniquely highlights the challenges and hardships in the material realm, particularly emphasizing financial struggle, poverty, and a sense of lack or need. While all Pentacles cards touch on material concerns, the Five of Pentacles also strongly represents the emotional and spiritual responses to material hardship, such as feelings of isolation and neglect.
Transition
The Five of Pentacles is positioned after the Four, which represents stability, security, and sometimes a holding onto resources, and before the Six, which signifies generosity, sharing, and receiving assistance. Its placement signifies a transition from the security and perhaps rigidity of the Four to the more balanced approach to giving and receiving in the Six. It represents a critical juncture where one moves from a focus on personal security to an awareness of communal support and interdependence.
Similar in theme

Ten of Swords
Represents a deep sense of despair or betrayal, similar to the hardship and struggle in the Five of Pentacles.
Signals an end to a difficult phase, necessitating a fresh start, paralleling the Five of Pentacles' theme of reaching a low point.
Despite its grim depiction, it suggests the potential for personal transformation, akin to the lessons hidden within the challenges of the Five of Pentacles.

Three of Swords
Symbolizes deep emotional pain and heartbreak, resonating with the Five of Pentacles' theme of suffering and loss.
Represents a critical moment of emotional turmoil, similar to the financial and material crisis in the Five of Pentacles.
Encourages acceptance and learning from painful experiences, reflecting the Five of Pentacles' potential for growth through hardship.

Eight of Cups
Depicts a journey of leaving behind what is known in search of something more fulfilling, akin to the need for change in the Five of Pentacles.
Suggests disappointment with the current situation, paralleling the struggle and dissatisfaction in the Five of Pentacles.
Implies a quest for deeper emotional or spiritual fulfillment, resonating with the Five of Pentacles' invitation to find value beyond material difficulties.
Unique combinations

The Tower
This combination signifies a period of significant upheaval, especially in material or financial aspects. The Tower's sudden, disruptive changes paired with the Five of Pentacles' theme of hardship suggest a transformative phase where existing structures are broken down, potentially leading to new foundations and opportunities for rebuilding.

The Sun
The contrast between the Five of Pentacles and The Sun is striking, highlighting the journey from hardship to joy and success. While the Five of Pentacles represents financial struggle and material challenges, The Sun brings a message of hope, positivity, and the promise of brighter days ahead, emphasizing resilience through difficult times.

Strength
Pairing the Five of Pentacles with Strength underscores the importance of inner resilience and emotional fortitude in the face of material adversity. This combination suggests that enduring financial and material challenges can lead to personal empowerment, with Strength providing the inner courage and patience needed to navigate and overcome these difficulties.
Practical applications
Lessons in daily life
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Use the lessons of the Five of Pentacles to practice financial mindfulness. This could involve budgeting with more awareness, consciously evaluating needs versus wants, and planning for future financial stability. It's about being more aware of how you manage your resources, particularly in challenging times.
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The card encourages seeking and offering support within your community. This might mean reaching out for help when in need or offering assistance to others who are struggling. It's a reminder that hardship can often be mitigated through shared effort and community resources.
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Reflect on and appreciate the non-material aspects of your life - relationships, experiences, skills, and personal growth. The Five of Pentacles invites a reevaluation of what constitutes true wealth in your life, encouraging a focus on emotional and spiritual richness.
The present moment
The Five of Pentacles often speaks to worry and hardship, yet these concerns typically stem from projections into the future or ruminations on the past. To bring clarity and focus into the present moment with this card:
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Start by recognizing any feelings of worry or scarcity you might be holding. Instead of resisting these feelings, simply acknowledge them. Allow yourself to feel them fully without judgment, understanding that they are transient and not an integral part of the present moment.
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Observe your surroundings and internal state without attaching stories or judgments to them. Just recognize them for what they are, not how they affect you. You might notice how the quality of your presence changes when you're not identifying with the struggles implied by the Five of Pentacles.
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Finally, meditate on the abundance present in your life at this very moment. This could be the richness of your environment, the relationships you have, or the simple fact of being alive. The Five of Pentacles, when viewed in the present moment, can transform from a card of lack to a reminder to appreciate the abundance that is always accessible in the now.
Journaling entries
One positive aspect about the Five of Pentacles, is that it can be a powerful catalyst for thinking deeply about things that we might not want to normally think about. Here are some prompts to get the thoughts rolling:
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What recent financial or material challenges have I faced, and how have they impacted my life?
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How do I typically react to financial hardships, and what can these reactions teach me about my attitudes toward money and security?
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Have I ever felt isolated or neglected during tough times, like the figures in the Five of Pentacles? How did I cope with these feelings?
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What emotions do I associate with financial struggle, and how can I address these emotions in a healthy and constructive way?
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Who or what are my sources of support during times of material hardship? How can I better utilize or appreciate these resources?
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In what ways can I offer support to others who are experiencing financial difficulties?
Shadow work
The Five of Pentacles offers powerful opportunities for shadow work, inviting us to explore the darker aspects of our relationship with material security and self-worth:
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Examine your scarcity mindset: This card can help uncover deep-seated fears around "not having enough" that may originate from childhood experiences or cultural conditioning. When these fears surface, notice how they influence your decisions and emotional responses, even when objective reality doesn't match these perceptions.
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Confront denial patterns: This card represents our tendency to overlook available resources when focused on hardship. Try recognizing where you might be refusing help, maintaining a victim narrative, or perpetuating unnecessary struggle through pride or fear.
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Explore financial shame: Many carry hidden shame around money struggles, feeling they've failed or are somehow deficient when experiencing financial hardship. This card creates space to acknowledge these feelings and recognize they're part of collective human experience, not personal shortcomings.
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Address self-isolation tendencies: The figures in the card demonstrate how we sometimes cut ourselves off from community during difficult times. This means examining where and why you might withdraw when support is most needed, potentially perpetuating your struggles.
Closing thoughts
Character cannot be developed in ease and quiet. Only through experience of trial and suffering can the soul be strengthened, ambition inspired, and success achieved.
– Helen Keller
Remember that our times through material challenges are not solitary. They are shared experiences that connect us to others, offering chances to grow and find strength in community and compassion.
The Five of Pentacles is as a reminder of the strength found in adversity, the value of support, and all of the experiences that shape our material and spiritual lives.