Nine of Pentacles, Crystal Tarot

Theme: "something is crystallising"

Card: Nine of Pentacles - Investment
"Turning down now to have more in the future"

Reversed. Should I invest or turn down? 

"When the Nine of Pentacles appears in a Tarot reading, do not be scared to splurge, indulge or pamper yourself, especially as a reward for all of your hard work."
"The reversed Nine of Pentacles is all about self-worth. When you see this card in a Tarot reading, take the opportunity to reflect on your own sense of self-worth and value." (biddy)

What should I invest in? What is about to crystallise?