
Matthew 6.19-21, Luke 12.33-34.
In Jesus’s
You’ll notice the three verses in Matthew I’m gonna point to today, don’t by themselves nail down precisely how we’re to stash our treasures in heaven. That, we actually have to pull from the parallel teaching in Luke: Give to charity. And if you know your Old Testament, you might remember this proverb:
Proverbs 19.17 KWL - Put the L
ORD in your debt: Be gracious to the poor.- He compensates you and gives peace to you.
- Put the L
Jesus’s first-century audience would’ve known that one… and Jesus’s 21st-century audience had better learn that one.
Matthew 6.19-21 KWL - 19 “Don’t hoard wealth for yourselves on earth, where moths and corrosion ruin it,
- where thieves dig for it and steal it.
- 20 Hoard wealth for yourselves in heaven, where neither moth nor corrosion ruins,
- where thieves don’t dig for it nor steal it:
- 21 Where’s your wealth? Your mind will be there too.
Luke 12.33-34 KWL - 33 “Sell your possessions and give to charity:
- Make yourselves a wallet which never wears out.
- Infallible wealth in the heavens, which a thief can’t come near, nor moth destroy.
- 34 “Where’s your wealth? Your minds will be there too.”
This passage has been greatly nullified by our culture. Y’see, we have banks and insurance. Nowadays, if our minds are on our money, it’s only because we worry we don’t have enough. Back then, it was based on the constant fear, Is my money secure? Because the ancients were responsible to secure their own wealth. Neither financial institutions, nor the government, would do it for ’em. Wasn’t their job. Wasn’t anyone’s job.
Americans tend to take property rights for granted. The ancients weren’t so naïve. If the king wanted your stuff, he’d have your stuff. Land, cattle, wives. You remember Abraham was regularly worried different kings would swipe his wife from him—’cause they did.
God mitigated this by having, “Don’t steal”
So if you had wealth, you had to secure it. Just like paranoid people do today. Better build a strongroom in your house, or find a clever way to disguise or hide it. Lots of people simply buried it in a hole in the ground, just like the worthless steward in Jesus’s story of the talents.
And even so, after all the precautions they took to make sure nobody could find or get at their wealth, the wealthy would worry. ’Cause any disaster could destroy it. Invading armies, or some covetous noble, could grab your land. Earthquakes could flatten your buildings. Determined looters, or even just a fire, could gut your house. Any possession could be lost. Easily.
It’s the very reason we invented insurance. Pay a little each month or year, and your possessions are protected and guaranteed? Brilliant. Now the only thing we need worry about is whether we have enough money.
So we need to climb into the first-century mindset about money before we can really understand Jesus. Imagine you’re in a really bad neighborhood, you’re not carrying a gun or taser or pepper spray, and for some crazy reason you’ve got $5,000 cash in your wallet. How secure are you gonna feel about that money?
Got that mental picture? Good. Now imagine having that worry all the time.
Your mind on your money.
See, that’s the difference between present-day Americans and ancient Israelis: We do worry about losing money, but seldom because we’re concerned someone is gonna steal it. I mean yeah, if you’re a criminal and can’t use banks, you know exactly what Jesus was talking about. But if you’re a law-abiding citizen, your bank, S&L, or credit union is insured by the federal government. If the bank shuts down, you’re still getting your money back.
Same with homeowners. If you don’t have insurance, you know what Jesus was talking about. But if you do, you know if a tree falls on your house, or it burns down, or a tornado sucks it into the air, you’re getting it fixed, or getting another house. Can’t really replace the heirlooms, or the stuff with sentimental value, but still: You have your safety net.
The ancients, in comparison, were living without a net. Lose your money, and it’s never coming back. Some invading army steals your land; good luck ever getting it again. Your house burns down; it’s on you to raise the funds for another. And so on. For us, disaster disrupts our lives; for them, disaster ruined them.
Poor countries know exactly what Jesus is talking about. Wealthy ones, not so much. So the way wealthy countries interpret this verse is, of course, in the incorrect context of our own circumstances.
Starting with the misinterpretation of the word
The love of wealth is a great evil,
1Ti 6.10 calling forth frequent warnings. For heirs of the kingdom to hoard riches in the last daysJm 5.2-3 is particularly shortsighted. Yet as with many of Jesus’ prohibitions in this sermon, it would be foolhardy so to absolutize this one that wealth itself becomes an evil; (cf.Lk 14.12, Jn 4.21, 1Pe 3.3-4 for other statements that cannot properly be absolutized). Elsewhere the Scriptures require a man to provide for his relatives,1Ti 5.8 commend work and provision for the future,Pr 6.6-8 and encourage us to enjoy the good things the Creator has given us.1Ti 4.3-4, 6.17 Jesus is concerned about selfishness in misplaced values. His disciples must not lay up treasure for themselves; they must honestly ask where their heart is.Mt 6.20-21 This verse does not prohibit “being provident (making sensible provision for the future) but being covetous (like misers who hoard and materialists who always want more)”
Stott 155 But it is folly to put oneself in the former category while acting and thinking in the latter (cf. France, “God and Mammon”).
D.A. Carson, EBC at Mt 6.19
I mean yeah, materialism and money-love produces all sorts of evil, but none of this stuff is what Jesus was talking about.
The reason I keep translating kardía as “mind” is because
These worries aren’t gonna grant us peace. And that’s what God wants us to have: His peace. The freedom from stress, which opens us up to do all sorts of other things for him. Rather than be anxious about whether we’ve hidden our cash properly, God wants us to invest it
So… does this apply to us anymore?
Since our culture has arranged things so we don’t worry about whether people are gonna swipe our money, or whether disaster is gonna impoverish us, you notice Christians regularly miss the point of this lesson. Instead, we make it about materialism. Or class warfare.
The poor like to use this, and Jesus’s other teachings about wealth, to snipe at the rich. After all, Jesus did teach wealth can get in the way of our Christianity.
Yeah, a lot of Christian teachings turn into self-justification. Humans are selfish like that.
But there are little ways in which people fret, in much the same way Jesus is talking about in these verses. There’s one thing we can’t insure ourselves against, and that’s depreciation. Every possession loses value. Clothes get old. Cars wear out. Computers become obsolete. Even our bodies begin to break down: Skin gets wrinkly, hair goes gray, muscles lose tone, joints creak, nerves hurt, and organs don’t work like they used to. A lot of people go absolutely bonkers trying to keep things—and themselves!—in pristine condition. But it’s not a game you’re gonna win. Everything falls apart. It’s physics; it’s a law of thermodynamics. It’s entropy.
But here’s the thing about thermodynamics: If you have a tremendous source of power, like the sun, constantly pouring energy into a system, we actually see growth instead of decay. It’s why forests burn down, but grow back. Turn off the sun and that won’t happen. Can’t.
And that’s how God’s kingdom works. Treasures in heaven can’t decay. Too much energy being poured into that system. Makes more sense to bank our wealth there, rather than here.

