The first card, Four of Pentacles reversed, suggests that while changes may be necessary, there is also something working well in the subject's personal life. It could be some kind of emotional stability that the subject has achieved after being able to overcome a difficult moment.

The second card, reversed Ten of Wands, shows that some problems are emerging in the subject's personal life. They could be related to financial factors or complicated interpersonal situations. This card suggests that it is important to address these issues before moving forward with any bigger changes.

The final card, Eight of Cups, shows that there are important lessons to be learned about how to handle complex situations and how to make the right choices to get where you want to go. The individual should take time to reflect and consider all aspects involved before deciding on how to proceed.

Bottom line, the question "Do I need to make any changes in my personal life in the short term?" can be answered with a YES. The three cards suggest that there is something working well in the subject's life but also some problems to address before deciding on how to proceed. Additionally, the Eight of Cups suggests that the subject should take time to reflect on the aspects involved in her decisions before proceeding with any larger changes.