Five of Pentacles: The Cold Night Before the Dawn of Recovery

Two figures outside a stained glass window, representing the Five of Pentacles tarot card.

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The Five of Pentacles is a card that often evokes a visceral reaction due to its stark representation of hardship and need. In the upright position, this tarot card from the Minor Arcana is a poignant symbol of tough times, often depicted by two figures in a snowstorm, destitute and excluded from the warmth that lies just beyond a brightly lit glass window.

This window not only illuminates their plight but also serves as a barrier to the security they desperately seek.

The Five of Pentacles does not shy away from the harsh realities of life, instead, it shines a light on them, urging the seeker to acknowledge their current struggles in order to navigate through them.

Five Of Pentacles Tarot Cards

Key Facts

  • Upright Position: The Five of Pentacles often signifies financial troubles, a poverty mindset, and the feeling of being left out in the cold.
  • Reversed Position: When reversed, it suggests a shift towards recovery, indicating hope and improvements in the future position.
  • Love Reading: In love, this card can point to emotional and material challenges, but also the potential for overcoming them.
  • Career and Finances: Reflects potential job losses and financial hardship, urging a reassessment of material gains and security.
  • Spirituality: On a spiritual level, it may represent a period of lack but also the growth that comes from such challenges.
  • Yes or No Readings: Generally, it leans towards a “No,” but can imply a “Yes” when it comes to overcoming adversity.

Five of Pentacles Meaning

When the Five of Pentacles appears in a tarot reading, it’s a signal to brace for difficult times. The card’s imagery is often bleak, showing individuals facing bad luck, health issues, and financial situations that test their resilience.

In the upright position, it speaks to the emotional impact of these challenges, reminding us that while the road may be tough, it is not the end of the journey.

The figures pass by the glass window, which represents the help and support available to them, though they may not see it. It’s a call to search for this window of opportunity, to seek help, and to remember that poor health and financial strain are often temporary, even if they feel insurmountable in the moment.

Five of Pentacles Reversed

The reversed Five of Pentacles can herald a turning point. It suggests the first signs of recovery from loss, an improvement in health, or a shift in financial fortunes.

Where once there was a negative mindset, dominated by financial losses and health issues, there now glimmers a light of positivity.

This reversal indicates a change in perspective, a time when the snow begins to thaw, and the figures notice the warm glow from the glass window.

It’s a reminder that circumstances can improve, that support is available, and that with a shift in attitude, one can begin the journey out of hardship towards recovery and abundance. The card encourages a release from past struggles and an embrace of a more hopeful and abundant mindset.

A couple holding each other in a storm, symbolizing the Five of Pentacles' love challenges.

Five of Pentacles Love

In love readings, the Five of Pentacles often signifies a period of loneliness or the impact of financial hardship on a romantic relationship. It may suggest that one or both partners are feeling isolated, whether emotionally or due to external circumstances like work or family issues.

This card can also point to a relationship where the focus on material possessions overshadows the emotional bond, causing a rift between partners. It’s a call to examine the foundations of the relationship and to prioritize emotional connection over material concerns.

For singles, it may indicate a time of solitude that, while challenging, could be used for personal growth and self-reflection before entering a new relationship


When the Five of Pentacles appears reversed in a love context, it suggests a shift away from hardship towards recovery. It may indicate that the emotional and financial challenges that have been straining the relationship are beginning to ease, allowing for a period of rebuilding and strengthening the connection.

This card reversed is a hopeful sign that with effort and trust, partners can overcome previous struggles, learn from their experiences, and forge a more secure and supportive bond. It’s a reminder that even in the coldest winters, the warmth of spring’s recovery is possible.

Suit of Pentacles Quick Guide

Ace – Opportunity

Two – Balance

Three – Collaboration

Four – Security

Five – Hardship

Six – Generosity

Seven – Patience

Eight – Mastery

Nine – Luxury

Ten – Legacy

Page – Student

Knight – Diligence

Queen – Nurturing

King – Prosperity

Cups – Emotions

Swords – Intellect

Pentacles – Material

Major Arcana – Journey

Five of Pentacles Money and Career Meaning

The Five of Pentacles in a career reading often warns of potential job losses or financial strain.

It reflects the anxiety that comes with a scarcity mindset, which can lead to a defeatist attitude in one’s daily existence. This card encourages individuals to adopt strategies for resilience, such as networking, seeking mentorship, or furthering education to enhance job security.

It also calls for maintaining a strong constitution and not allowing financial challenges to define one’s self-worth or career path. The card advises finding strength in adversity and using it as a catalyst for personal and professional growth.


The reversed Five of Pentacles is a beacon of hope in financial and career readings, signaling a turning point towards improvement. It suggests that the bleak landscape of financial hardship is beginning to brighten, offering a more positive outlook for the future.

This card indicates that new opportunities for stability and growth are on the horizon. It may be a sign that the individual’s efforts to overcome financial struggles are paying off, leading to recovery and a more secure financial position.

The reversed Five of Pentacles encourages one to remain open to the possibilities that change brings and to continue working towards financial health and career fulfillment.

Seeking light in darkness, reflecting the Five of Pentacles' spiritual search.

Five of Pentacles Spirituality Meaning

The Five of Pentacles often carries a message of spiritual impoverishment when it appears in a reading. It can highlight a time when one feels spiritually depleted, perhaps due to life’s material challenges overshadowing the spiritual journey.

This card encourages an inward focus to find spiritual richness that material possessions cannot provide. It’s a reminder that spiritual development often occurs not in times of abundance, but in moments of hardship, where the true strength of spirit is tested and forged.

The Five of Pentacles can also signify the need for spiritual community, suggesting that support and guidance from like-minded individuals can be a beacon during times of personal difficulty.


In its reversed position, the Five of Pentacles can indicate a lifting of spiritual malaise. It suggests that one is moving away from a period of deep loneliness and existential questioning into a phase of recovery and spiritual renewal.

This card reversed heralds a time to release the scarcity mindset that may have blocked spiritual growth and to embrace a path of abundance and enlightenment.

It can also signal that one is finding spiritual lessons in their material struggles, learning to balance the material and spiritual worlds for a more holistic existence.

Five of Pentacles Yes or No

In ‘Yes or No’ tarot readings, the Five of Pentacles typically suggests a ‘No,’ especially if the question pertains to matters of financial, physical, or emotional well-being.

It warns of potential tough times ahead or acknowledges current difficulties that need to be addressed before positive change can occur. However, if the question relates to whether one should prepare for challenges or seek support, the card could lean towards a ‘Yes,’ advising readiness and seeking assistance.

Griff Williams

MindEasy founder & meditation teacher

Griff Williams is an accredited meditation teacher and founder of MindEasy. He spent 12 years working as a London firefighter before changing paths to pursue building MindEasy. He received his diploma in meditation teaching from The British School of Meditation.