Just like the fives of the other suits in the tarot, the Five of Pentacles symbolizes adversity. It shows two individuals walking outside while it is snowing. Not only are they cold, they are also sick, poor, tired, and hungry. It looks as if they are lacking the necessities of life. A lot of people can relate to the two individuals in more ways than one.
The Fool advises that you lighten up. Let yourself be spontaneous enough to stretch beyond the realm of logic. There is no advantage to be gained by thinking you possess the knowledge, power, or control to direct reality. Open and receive without question, instead of trying to manage what is happening right now. The Fool has no ambition to manipulate a specific outcome. Just be happy to be part of the whole.