The Four of Pentacles Tarot Card: A Complete Guide to Symbolism and Meaning

Table of Contents
- What is the Four of Pentacles in the Rider-Waite Tarot deck?
- The Symbolism of the Four of Pentacles Arcana and Its Deep Meaning
- The Meaning of the Four of Pentacles Upright
- Interpretation of the Reversed Four of Pentacles Tarot Card
- Four of Pentacles as a Significator in a Tarot Spread
- The Four of Pentacles as the Card of the Day
- Meditation on the Four of Pentacles: Connecting to Energy
- Four of Pentacles in Romantic Relationships
- Conclusion: Integrating the Energy of the Four of Pentacles into Daily Life

In the world of Tarot, each card carries a unique energy and deep symbolism, unveiling different aspects of human existence and consciousness. The Four of Pentacles, a key card in the Pentacle suit of the Tarot deck, represents material stability, security, and maintaining achieved prosperity. In this article, we will explore the multifaceted nature of the Four of Pentacles card, its rich symbolism, meanings in various positions, and practical ways to interact with its energy to achieve a balance between preserving resources and being open to new opportunities in the material world.

What is the Four of Pentacles in the Rider-Waite Tarot deck?
The Four of Pentacles card in the Rider-Waite Tarot deck embodies stability, material security, and the mindful management of one's resources. It is the fourth card in the suit of Pentacles, symbolizing the power of the earth element, practicality, thriftiness, and the pursuit of creating a solid material foundation. Essentially, the Four of Pentacles reflects a stage where a person has already achieved a certain level of prosperity and is now focused on preserving and protecting it from potential losses or risks.
In the traditional depiction of the Rider-Waite deck, the Four of Pentacles features a figure seated on a stone throne or bench. He firmly holds a pentacle at his chest, another pentacle rests on his head, and two more are positioned under his feet. In the background, a city with stone buildings is visible. The entire composition of the card conveys a sense of stability, reliability, and control over material assets.
The visual symbolism of the arcana is filled with meaningful details. The crown-like pentacle above the person's head symbolizes his commitment to material values and control over them on a mental level. The pentacle at his chest represents an emotional attachment to material wealth and a desire to protect his assets. The two pentacles underfoot indicate a strong material foundation upon which life is built. The city in the background symbolizes civilization, structure, and order achieved through material stability.

The Symbolism of the Four of Pentacles Arcana and Its Deep Meaning
The figure of a person on the card, sitting on a stone throne, embodies stability, security, and a solid material base. His posture and the way he holds the pentacles demonstrate control over his resources but may also indicate a possible excessive attachment to material values. The person is focused on his well-being, and his closed posture signals a defense of what belongs to him.
The four pentacles on the card symbolize material assets, property, and wealth. Their placement - on the head, chest, and under the feet - indicates an all-encompassing control over the material world. The pentacle on the head suggests that the person's thoughts are occupied with material concerns; the pentacle on the chest shows an emotional attachment to earthly goods; the pentacles under the feet symbolize the practical aspects of welfare and stability.
The stone throne or bench on which the person sits is a symbol of a strong foundation, reliability, and durability. It indicates a desire to create stable structures in the material realm. The city in the background represents the result of material progress, civilization, and social structures created through the accumulation and preservation of resources.
The colors on the card also hold symbolic meaning. The red and black in the person's clothing point to practicality, responsibility, and a drive for power and control. The yellow of the pentacles symbolizes intelligence, energy, and prosperity, highlighting the importance of wise resource management to achieve well-being.
Overall, the symbolism of the Four of Pentacles is related to the concept of material security, preservation, and protection of accumulated wealth, as well as the potential risks of excessive attachment to the material world. This card reminds us of the importance of creating a firm foundation for life but also warns that this foundation should not become a prison that limits our freedom and growth.

The Meaning of the Four of Pentacles Upright
When the Four of Pentacles appears upright in a spread, it indicates a period of stability, security, and material well-being. This card symbolizes steadiness, reliability, and economic prosperity. It speaks of a time when a person has managed to establish a solid financial foundation and is now striving to maintain and protect it.
The appearance of this card often signifies achieving a certain level of material comfort and a desire to hold onto it. The Four of Pentacles in an upright position speaks of foresight, practicality, and the ability to manage one's resources. It's a card of thriftiness but also of a wise approach to material goods.
Key concepts associated with the upright Four of Pentacles include stability, well-being, asset and financial management, foresight, practicality, possession, self-care and resource management, a desire to increase resources, thriftiness, appreciation of the value of material goods, a desire to maintain what is, self-sufficiency and independence, a drive for wealth and comfort, the potential for asset growth, financial security, awareness of one's material resources, material well-being, reliability, preservation, diligence, material security, a strong financial foundation, confidence in the future, stability, a desire to preserve and increase assets, a foundation for long-term prosperity and success, the process of turning dreams into reality, acceptance of financial responsibilities, protection of one's resources, and a desire for control to maintain security.
For those encountering this card, it is recommended to use savings wisely and frugally, while not forgetting the need to invest in the future. It might be time to increase your income or diversify sources of profit. The Four of Pentacles also motivates one to seek new ways to increase prosperity. It is essential to value what you have, but not so much that it hinders progress and new opportunities. It is important to work on balancing the preservation of what has already been achieved with the readiness to embrace new opportunities and to be generous not only materially but also in terms of time, love, and other non-material resources.

Interpretation of the Reversed Four of Pentacles Tarot Card
In a reversed position, the Four of Pentacles indicates an imbalance in the attitude towards material possessions and resources. This state can manifest in two ways: either as a heightened attachment to the material, reaching the point of penny-pinching and greed, or as reckless spending and an inability to control finances. In any case, the reversed Four of Pentacles speaks of a disruption in the healthy balance of the material aspect of life.
When the Four of Pentacles appears in a reversed position, it often points to fears related to the loss of material wealth, as well as excessive frugality or, conversely, irrational use of resources. A person may experience excessive anxiety about their financial situation or miss opportunities due to fear of risking what they have. This card might also indicate that one is too focused on the material aspects of life to the detriment of spiritual and emotional development.
In its reversed position, the Four of Pentacles is associated with concepts such as stinginess, too much attachment to material possessions, fear of losing property, lack of new opportunities due to fear of taking risks, unwillingness to share, loss of financial control, willfulness, irrational use of resources, going overboard with saving, inability to manage money, material attraction, disdain for those less affluent, greed, feeling of financial instability, bad investments, low self-esteem due to financial status, tight-fistedness, missed opportunities, focus on the material side of life, spiritual poverty, stubbornness, strong character, belief in one's own rightness, fear of change, inability to adapt, excessive attention to details, fixation on personal problems, unwillingness to communicate and cooperate with others, reclusiveness.
To work with the energy of the reversed Four of Pentacles, it is recommended to reassess one's financial goals and approaches. It’s time to learn how to share accumulated wealth or discover how to invest wisely in the future. It may be necessary to stop denying oneself small pleasures that add joy to everyday life. One should not allow fears and caution to deprive them of opportunities and joys that life can bring. It is important to understand that material goods are not an end in themselves but a means to achieve deeper needs. It might be beneficial to let go of the fear of loss or lack and learn that generosity can bring joy and abundance. Another important aspect is to restore trust in the world around and confidence in one's ability to overcome difficulties.

Four of Pentacles as a Significator in a Tarot Spread
As a significator, the Four of Pentacles indicates a state where material stability becomes a central theme in a person's life. This card reflects a phase where creating and maintaining a solid material foundation is of utmost importance for a sense of security and confidence in the future.
The Four of Pentacles as a significator can relate to people who demonstrate practicality, caution, and a straightforward outlook on life. These individuals always strive to maintain control over their material possessions and show a certain degree of perseverance and persistence in completing tasks. They can be considered practical and goal-oriented, as they succeed in achieving stability and enjoying the benefits they have.
People represented by the Four of Pentacles highly value certainty and stability in life. They have an excellent ability to manage resources and usually demonstrate responsibility and stability in economic matters. Such personalities believe in the significance of accumulation and may exhibit a high degree of thriftiness. In their affairs and investments, they prefer moderation and long-term prospects, avoiding risks. They view the world through the lens of material well-being and aim to preserve their assets by practicing economy.
In the reversed position, the Four of Pentacles as a significator may indicate people prone to both extreme stinginess and reckless spending. These individuals can become so fixated on material issues that it serves as a barrier to their spiritual and emotional development. They tend to experience constant anxiety about their material welfare and often struggle to find a balance between saving and spontaneous spending, leading to disappointment in their own capabilities.
People represented by the reversed Four of Pentacles often demonstrate instability, insecurity, and lack of control over their finances and possessions. They may be overly concerned with their material goods to the extent that it leads to social isolation or underperformance in other significant aspects of life. They might have trouble reasonably balancing needs and desires, which results in either excessive generosity or a tendency towards excessive stinginess, and they face difficulties in controlling their finances, leading to instability.

The Four of Pentacles as the Card of the Day
When the Four of Pentacles appears as the card of the day, it invites you to pay attention to the material aspects of life, financial stability, and security. This is a day to reassess your material resources, evaluate their condition, and perhaps take measures to strengthen and protect them.
The energy of the Four of Pentacles as the card of the day encourages caution and practicality in handling money and possessions. On such a day, a person may feel a strong need for stability and control over the material aspects of their life. It's an appropriate time for budgeting, addressing financial matters, and creating a financial "safety cushion."
The Four of Pentacles as the card of the day reminds us that material stability is an important foundation for overall well-being, but one should not allow the concern for material things to become excessive, turning into stinginess or greed. On this day, it is worth being mindful of how you relate to your material resources: are you able to appreciate what you have without falling into the extremes of excessive attachment?
A day marked by the Four of Pentacles is favorable for solving practical issues related to finances and property, for making deals that require stability and reliability, and for strengthening your material position. It is also a good time to think about long-term financial goals and plans, creating a solid material base for the future.
However, on this day, it is also important to remember the need for balance: excessive focus on material aspects can lead to missing out on important emotional and spiritual moments. The Four of Pentacles reminds us that true wealth is not limited to the material and encourages finding harmony between material well-being and other areas of life.

Meditation on the Four of Pentacles: Connecting to Energy
The Four of Pentacles card, embodying stability, security, and material well-being, invites connection with the power of the earthly element to establish balance between preserving and wisely utilizing resources. It encourages the development of practicality, foresight, and the ability to create a solid material foundation for life. The energy of the Four of Pentacles contains stability, reliability, and realism, but also demands a conscious attitude towards the material world to avoid excessive attachment to possessions.
For effective meditation on the Four of Pentacles card, find a quiet, tranquil place where you will not be disturbed. Place the card image in front of you and carefully examine each detail of its symbolism, paying attention to the figure holding the pentacles, his posture and facial expression, and the city in the background. Then close your eyes and recall these details in your memory, understanding that each element of the image carries deep meaning.
During the meditation, try to feel the energy of stability and security symbolized by the Four of Pentacles. Imagine this energy entering your body through your feet (like the two pentacles beneath the figure's feet on the card), filling your heart (as with the pentacle at the chest) and clarifying your mind (similar to the pentacle above the head). Feel how you become more stable, reliable, and practical, and how your ability to create material prosperity grows.
Begin the meditative practice with breathing exercises. Focus on your breathing, taking deep, even inhales and exhales. With each inhale, imagine you are absorbing the energy of the Four of Pentacles-stable, reliable, practical. With each exhale, feel how this energy spreads throughout your body and creates an aura of material stability and well-being around you.
Then move to deeper visualization: imagine yourself as the figure on the card. Feel yourself firmly holding the pentacles, symbolizing your material resources. Sense the solid ground beneath your feet, symbolizing the stable foundation of your life. See around you the thriving city, representing the results of wise management of material resources. But also realize that your strength lies not in the pentacles themselves, but in your ability to manage them wisely without becoming their prisoner.
This meditation helps intuitively grasp the balance between the material and spiritual, between accumulation and wise use, between maintaining stability and being open to new opportunities. It contributes to awakening inner wisdom regarding material resources, developing practicality and foresight, and healing negative programs related to money and material well-being.
At the end of the meditation practice, express gratitude for the experience and slowly return to your usual state of consciousness, retaining the valuable sensations and lessons that can be applied in everyday life.
Regular meditation on the Four of Pentacles card develops the ability to create material stability without falling into extremes of stinginess or extravagance. It helps establish a healthy relationship with material values, strengthens practicality and foresight, and aids in healing fears and blocks related to money and material well-being.

Four of Pentacles in Romantic Relationships
The Four of Pentacles card in its upright position in the context of romantic relationships symbolizes stability, comfort, and material well-being. In love spreads, this card may indicate relationships where reliability, safety, and mutual support prevail. It can also represent a stage where the relationship becomes more solid and stable, transitioning from passionate infatuation to deep attachment and long-term partnership.
When the Four of Pentacles appears in a relationship reading, it could signal a period where partners are actively building a common material foundation for their life together, planning the future, and striving for financial stability. For long-established relationships, this card may signify a period of steadiness and predictability, where partners feel secure and confident in one another.
In its reversed position, the Four of Pentacles in the context of romantic relationships points to issues related to material matters or an excessive need for control. It may indicate an unequal distribution of resources in the relationship, stinginess, or conversely, reckless spending that becomes a source of conflict between partners. In such a situation, it is possible that one partner is too focused on material aspects at the expense of emotional closeness and spiritual connection.
The reversed Four of Pentacles can signify relationships wherein there is a fear of change or loss of control, hindering development and growth. It may also suggest that partners are too attached to material comfort and stability, preventing them from taking risks and opening up to new possibilities in the relationship. In some cases, this card in the reversed position may indicate financial instability that negatively impacts the relationship or excessive dependency of one partner on the other in material matters.
In both cases, whether upright or reversed, the Four of Pentacles card is a reminder of the importance of balance between stability and openness, between material and spiritual aspects of relationships. It encourages the creation of a solid foundation for the relationship, while also understanding that the true value of relationships lies beyond the material world-in the deep emotional and spiritual connection between partners.

Conclusion: Integrating the Energy of the Four of Pentacles into Daily Life
The Four of Pentacles card in the Rider-Waite Tarot is not just a symbol of material stability, but a whole philosophy regarding one's attitude towards the material world. It invites one to consciously balance between preserving resources and being open to new opportunities. Working with the energy of this arcana helps to develop practicality, foresight, and the ability to create a solid material foundation without excessive attachment to material values.
Integrating the qualities of the Four of Pentacles into daily life means having the ability to manage one's resources wisely, creating material security and stability while not allowing the fear of loss or greed to limit growth and development. It's about balancing the preservation of what has already been achieved with the readiness to invest in the future, maintaining control over the material aspects of life while also being generous towards oneself and others.
In practical terms, integrating the energy of the Four of Pentacles can manifest in budgeting, creating savings and investments, taking care of one's property, and ensuring financial security. However, it's important to remember that material goods are a means, not an end. They are meant to provide comfort and security, but should not become a source of anxiety or a cause for isolation from others.
The energy of the Four of Pentacles also teaches us to appreciate what we already have, to find satisfaction in the present, and to create stability even in turbulent times. It serves as a reminder of the importance of having a solid ground underfoot, a reliable support system, and a material base that allows us to feel confident and freely move forward.
Whether you use Tarot for divination, meditation, or self-discovery, the energy of the Four of Pentacles reminds us of the importance of balance between accumulation and wise use of resources, between creating security and being open to new possibilities. This is the true wisdom of the Four of Pentacles arcana-its ability to teach us how to create a solid material foundation that serves not as a prison, but as a reliable support for a full and happy life.
Frequently Asked Questions about the Four of Pentacles in Tarot
The Four of Pentacles card in a reading about the current situation usually symbolizes a period of stability and financial security, where you are in the process of strengthening your financial position or preserving what you already have. This card may indicate that you are currently being particularly mindful of your material resources, aiming for savings, and creating a "safety cushion." In a professional context, the Four of Pentacles can signify a stable job, reliable income, and measured professional growth. In the personal sphere, it may reflect the need for security, comfort, and stability in relationships, as well as the possible creation of a joint material foundation with a partner.
The difference between a healthy pursuit of stability and an unhealthy attachment to material values lies primarily in balance and motivation. A healthy pursuit of stability is characterized by reasonable resource management without excessive emotional attachment; a person is frugal but not stingy, builds savings, but is ready to invest in their future and share with loved ones. An unhealthy attachment is manifested in constant fears of loss, excessive saving, unwillingness to share, refusal of new opportunities due to financial concerns, and defining one's worth through material achievements. If money and possessions become an end in themselves rather than a means to ensure a comfortable life, if the fear of loss outweighs the joy of possession, and if material well-being is achieved at the expense of emotional and spiritual development, these are signs of an unhealthy attachment.
The frequent appearance of the reversed Four of Pentacles in spreads may suggest the need to reassess your attitude towards material values and security. To work with this energy, start with an honest analysis of your fears related to money and material well-being: Do you fear loss, poverty, dependency, or insecurity about the future? It’s useful to track your thoughts and emotions related to spending and accumulating, paying attention to moments of anxiety or excessive control. Practice mindful acts of generosity and giving to reduce attachment to things, as well as meditations on accepting change and trusting the flow of life. Work on developing inner security, understanding that true stability comes not from material resources but from your ability to adapt to changing circumstances and find opportunities in any situation.
To achieve a balance between saving and using resources, it is helpful to start with creating a clear financial plan that includes both savings (at least 10-20% of income) and funds for personal development, enjoyment, and spontaneous spending. It’s important to set specific financial goals—both short-term and long-term—and determine your true priorities, reviewing them regularly. Practice mindful consumption: before making any significant purchase, ask yourself if it truly aligns with your values and will bring long-term satisfaction. Don’t forget to allocate some funds to help others or for charity—this helps reduce attachment to material things. Learn to distinguish the need for security from fear and greed by paying attention to your emotional reactions related to money. Remember that true wealth is measured not by the amount of accumulated resources but by the ability to use them to create a fulfilling, happy life.
The Four of Pentacles holds a special place in the sequence of the Pentacles suit, reflecting the transition from the initial stages of material development to a more stable phase of resource management. After the Ace of Pentacles, symbolizing new material opportunities, the Two of Pentacles, reflecting the balancing of resources, and the Three of Pentacles, representing collaboration and professional growth, the Four of Pentacles signifies a moment when certain stability is achieved and the desire arises to preserve and protect what has been accumulated. This card precedes the Five of Pentacles, which may indicate material difficulties, showing that excessive effort to preserve can sometimes hinder development and adaptation. In the context of the entire suit, the Four of Pentacles teaches the importance of creating a solid foundation but also warns of the dangers of stagnation and excessive attachment to the material. It represents a necessary stage of material development, but not an endpoint, merely a step in the continuous process of growth and transformation in one's relationship with the material world.