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Is Tarot Reading for Personal Finance Decisions Effective?

David Morey May 27, 2025 5 min read
495

Managing personal finances is a sort of art, don’t you think? After all, it includes a lot of different processes, from saving and budgeting to investing and navigating the toughest financial crossroads life has in store for us. But how about adding a helping hand along the way? An intuitive or spiritual tool – the tarot deck – can become your personal assistant when it is time to make effective financial decisions.

Why?

  • In-person or online one card tarot reading promotes self-awareness. You can use cards to see what limiting beliefs you have to combat or impulsive behaviors that your life is full of.
  • You get your intentions clarified. Using cards, you can learn to plan thoughtfully, which means prioritizing goals gets easier.
  • You learn to think creatively. Regular readings can help you reveal new perspectives on budgeting, earning, investing, saving, and so on.
  • You get your mindfulness to the next level. If you make tarot part of your routine, you have more chances to pause for a moment and think before making money-based decisions.

Tips to Start Defining Your Financial Focus

If you think you are ready to use cards for your personal finance decisions, we have some ways below:

  • Know the mindset that prevails today. Draw one card to ask spirits a single question – “What kind of relationship do I have now with bucks?” Do you see the Ten of Pentacles? Chances are you’re about to face long-term stability. As for The Four of Pentacles, they may suggest you’re holding on too tightly due to fear of loss. Whatever card you see, take your time to think about in what way (positive or negative one) your beliefs are influencing your financial behavior.
  • Explore a particular decision you are about to make. Approach cards with the question – “What do I need to know about my upcoming investing?” “What do I have to focus on before I buy a flat?” In this case, we recommend drawing three cards (a 3-card spread), where the first shows the root of your situation, the second highlights all the hidden challenges, and the third shows the outcome if you keep on moving in that direction. This simple spread will help you find out what it is that you might be missing.
  • Set your financial goals. Ask the tarot cards to provide you with the answer to the question: “What financial goal should be my priority now?” Draw a card and interpret its energy. If there’s The Star, it means you are about to master long-term planning. At the same time, The Chariot tells you to be disciplined and focused. The income growth usually stands behind The Eight of Pentacles. When you know what your goal is, proceed to the spread on the question: “What steps should I take?”. Use a 3-card spread to know more about your short-term, medium-term, and long-term actions.
  • Understand what blocks your financial routine. Do you feel anxious or stuck when it comes to $? Approach cards with the request: “What’s standing between me and my financial abundance?” Using cards, you have an opportunity to reveal all the bad habits, emotional baggage, and all the influences that come from within. Do you see The Devil? It probably highlights some unhealthy attachments or/and overspending. The Moon, in turn, helps detect confusion or illusion about financial matters, while The Tower is the signal for a financial shakeup you resist accepting. Let cards help you change your current mindset and get brave enough to combat all the blocks!
  • Do check-ins on a monthly basis. It’s recommended to do a monthly financial tarot spread. If you are not sure of what to ask, try to approach the spirits, asking them what went well financially last month, what challenges you have to get ready for, what issues you should focus on to boost your financial situation, what attitude one is the best to adopt to become more successful in a financial manner. Thus, you will have a better understanding of your progress, failures (if any), patterns, and finally create financial mindfulness.

Before You Shuffle…

Before you grab a deck to see what cards have to tell about your financial journey, keep in mind the key taboos below. Thus, you will have the most effective and productive reading possible:

  • Tarot cards shouldn’t be used for a quick fix to your money problems. It’s not a magic wand (unfortunately).
  • Cards are not for gambling predictions! Instead, use them to evaluate your risk tolerance and current decision-making mindset.
  • Never make high-stakes decisions solely based on the tarot readings. In other words, things like quitting a job, buying a house in the village, or taking out a loan are too serious to let spirits decide. Instead, make sure to mix tarot and professional consultations.
  • Do not manipulate your reading séances! Never use card interpretation based on your fears when it’s time to make financial decisions. Remember one simple rule: readings should not control you but inspire, motivate, and empower.
  • Questions like “When will I finally become rich?” since they include immediate timing. Instead (if you are SO curious about that), approach the spirits with questions like – “What can I do now to boost my financial situation and make wiser decisions?” The point here is that these kinds of questions do not provide you with an instant answer, but they help you focus on such crucial things as empowerment, growth, and taking your own responsibility for your financial situation.

Afterall

As you can see, using cards to boost your decision-making skills in the niche of finances is as easy as pie. However, keep in mind that tarot should never be an alternative to professional financial assistance. It is better to ask a competent and skilled accountant and planner for help than to rely 100% on the cards. At the same time, if you make sure to combine cards with strategic planning and budgeting, you’re sure to have a powerful tool for all of your financial troubles.

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