The reversed Nine of Cups card represents your current financial situation. It can indicate that you are experiencing a period of uncertainty, confusion and doubts regarding your finances. You are concerned about your future expenses and may also be concerned about how to manage your money so that you don't end up in financial disaster. It also indicates that you need to make some quick decisions about your financial situation or you could run the risk of making the wrong choices.

The Eight of Cups reversed represents the obstacle you face in your financial life. It indicates that you are likely to be afraid of making major decisions regarding the future of your finances. The card also suggests that there may be something hidden or unclear about your financial situation, such as you are unaware of the long-term effects of your decisions. This obstacle can leave you feeling stuck, but if you can overcome it, you can make positive changes in your financial life.

The reversed Queen of Swords indicates that the most appropriate advice is to be firm in making your financial decisions. You need to be able to distinguish between the important and the less important things and make the right choices for yourself. You also need to be able to look beyond what is hidden in your present and think about how your actions will affect your financial future. You must be willing to make immediate sacrifices to achieve your long-term goals.

The cards show that you need to make some changes in your financial life in the short term. This reading also suggests that you need to start making quick and effective decisions and not let fear or ignorance about your current or future financial situation hold you back. Immediate sacrifices need to be made to achieve more important long-term goals, but this is the right path to take if you want to make some positive changes in your short-term financial life. So the answer to the question is: Yes, you need to make some changes in your short-term financial life.