The suit of Pentacles itself is a linear commentary on the various ineptitudes of those who choose to see material gain as overall success or deep contentment. Taking the reins in our material lives should better allow us to transcend their trappings and thus help us to be better at absorbing the spiritual and emotional knowledge that's so much more beneficial and important in the long run. There's nothing wrong with keeping your feet on the ground and staying in touch with concerns such as money, work and health. Of course, we live in a world where those issues are often paramount and are a source of triumph as well as stress. But we shouldn't drop anchor there. Just because you're riding high in the monetary stakes doesn't mean your relationship with your partner, your mental health or your sense of who you are is sorted..
For me, the primary message of the Four of Pentacles is - do what you can. Scrape together what you need, fill out the paperwork, heighten your job search, open a savings account, have a meeting with your cohabitants about how to manage the bills, stop overspending.. Those things are within your capabilities and doing them will make you feel more calm and more able to face the future head on. After that, leave it to fate. To an extent, the universe is going to have its way with you, for better or worse, in spite of every preparation you've made. You can't build a wall to shut out life, so you might as well spend some of your time worrying less and living more.