The reversed Queen of Swords indicates that it is time to revise your view on finances. It may mean that you've made a number of bad decisions, but it's important not to berate yourself too much and to consider the opportunities that present themselves. You must be ready to change your financial strategy if you want to improve your personal finances.
Temperance reversed suggests that you may be overly emotional when it comes to managing your finances. You may be too susceptible to outside influences or make decisions based on fear rather than logic. You must learn to analyze your feelings to understand how they affect your financial decisions.
The King of Pentacles shows that it's time to do something to improve your finances. You must be willing to take calculated risks and make informed decisions based on the situation you find yourself in. You also need to learn how to manage money better and listen to the advice of well-informed finance professionals.
In conclusion, it is clear that to improve one's personal finances it is necessary to take concrete measures. You must first understand how you think, feel and act towards money. Only then will you be able to make informed decisions, implement correct strategies and better manage your money.