The Ten of Coins is read for permanence, and the interpretive work lies in deciding whether permanence is being offered as a reward or described as a condition.
The favourable reading is straightforward and common: wealth that will last, a family secure, a business established, an arrangement that no longer depends on any one person's effort. It is among the most materially positive cards in the deck and there is no reason to be coy about that.
The harder reading follows from the same picture. Everything in Smith's card is already built. The old man is at the end of something, the couple are inside an arrangement made before them, the heraldry on the arch belongs to a family rather than a person. Read that way the card describes a structure the querent has entered rather than made, and the question becomes whether they want it.
This is the card's most useful application in questions about family, and it is frequently the accurate one. A great many people consult oracles about situations whose terms were set by their parents.
A third reading, common in practical cartomancy, is simply property: houses, estates, contracts, the paperwork of ownership.
Waite's reversed meanings run to loss, a heavy risk and the failure of a project, which is a straightforward negation for once. Readers who do not use reversals note whether the surrounding cards suggest the structure is being built or being dismantled, and read accordingly. The distinction usually matters more than the orientation does.