Do not store up for yourselves treasures on earth, where moth and rust destroy, and where thieves break in and steal. But store up for yourselves treasures in heaven, where neither moth nor rust destroys, and where thieves do not break in or steal; for where your treasure is, there your heart will be also.—Matt. 6:19–21
The focus of Jesus’ teaching here is this: “Do not lay up treasures for yourself.” The Greek word for “lay up” connotes the idea of stockpiling or hoarding—it pictures wealth that isn’t being used, things kept mainly to show off one’s plenty.
Be sure of this, though: Jesus is not advocating poverty as a means of spirituality. Both the Old and New Testaments recognize the right to material possessions, including money, land, animals, houses, clothing, and anything else acquired honestly. In fact, the foundational truth underlying the commands not to steal or covet is the right of possessing personal property.
God expects and commands His people to be generous. But He also expects and commands that we not only be thankful for the blessings He gives but also derive pleasure from them—including the material blessings. The Lord “richly supplies us with all things to enjoy” (1 Tim. 6:17). This verse is specifically directed to “those who are rich in this present world,” yet it does not command them to divest themselves of their wealth. Rather, it warns them not to be conceited about it or to trust in it. It’s how we use our possessions for kingdom purposes that counts.
|How would you define your general attitudes toward money? What is its purpose in the believer’s life? How are we supposed to handle it? What are some of the greatest abuses or misunderstandings of money that have plagued your life or distorted your freedom with it?|
A Single Treasure
Do not lay up for yourselves treasures upon earth, where moth and rust destroy, and where thieves break in and steal. But lay up for yourselves treasures in heaven, where neither moth nor rust destroys, and where thieves do not break in or steal; for where your treasure is, there will your heart be also. (6:19–21)
Lay up (thēsaurizō) and treasures (thēsauros) come from the same basic Greek term, which is also the source of our English thesaurus, a treasury of words. A literal translation of this phrase would therefore be, “do not treasure up treasures for yourselves.”
The Greek also carries the connotation of stacking or laying out horizontally, as one stacks coins. In the context of this passage the idea is that of stockpiling or hoarding, and therefore pictures wealth that is not being used. The money or other wealth is simply stored for safekeeping; it is kept for the keeping’s sake to make a show of wealth or to create an environment of lazy overindulgence (cf. Luke 12:16–21).
It is clear from this passage, as well as from many others in Scripture, that Jesus is not advocating poverty as a means to spirituality. In all of His many different instructions, He only once told a person to “sell your possessions and give to the poor” (Matt. 19:21). In that particular case, the young man’s wealth was his idol, and therefore a special barrier between him and the lordship of Jesus Christ. It provided an excellent opportunity to test whether or not that man was fully committed to turning over the control of his life to Christ. His response proved that he was not. The problem was not in the wealth itself, but the man’s unwillingness to part with it. The Lord did not specifically require His disciples to give up all their money and other possessions to follow Him, although it may be that some of them voluntarily did so. He did require obedience to His commands no matter what that cost. The price was too high for the wealthy young ruler, to whom possessions were the first priority.
Both testaments recognize the right to material possessions, including money, land, animals, houses, clothing, and every other thing that is honestly acquired. God has made many promises of material blessing to those who belong to and are faithful to Him. The foundational truth that underlies the commandments not to steal or covet is the right of personal property. Stealing and coveting are wrong because what is stolen or coveted rightfully belongs to someone else. Ananias and Sapphira did not forfeit their lives because they kept back some of the proceeds from the sale of their property, but because they lied to the Holy Spirit (Acts 5:3). Holding back some of the money was selfish, especially if they had other assets on which to live, but they had a right to keep it, as Peter makes plain: “While it remained unsold, did it not remain your own? And after it was sold, was it not under your control?” (v. 4).
God expects, in fact commands, His people to be generous. But He also expects, and even commands, them not only to be thankful for but to enjoy the blessings He gives-including the material blessings. The Lord “richly supplies us with all things to enjoy” (1 Tim. 6:17). That verse is specifically directed to “those who are rich in this present world,” and yet it does not command, or even suggest, that they divest themselves of their wealth, but rather warns them not to be conceited about it or to trust in it.
Abraham was extremely rich for his day, a person who vied in wealth, influence, and military power with many of the kings in Canaan. When we first meet Job he is vastly wealthy, and when we leave him-after the testing that cost him everything he possessed outside of his own life-God has made him wealthier still, in flocks and herds, in sons and daughters, and in a healthy long life. “And the Lord blessed the latter days of Job more than his beginning” (Job 42:12–17).
The Bible gives considerable counsel for working hard and following good business practices (cf. Matt. 25:27). The ant is shown as a model of the good worker, who“prepares her food in the summer, and gathers her provision in the harvest” (Prov. 6:6–8). We are told that “in all labor there is profit, but mere talk leads only to poverty” (14:23) and “by wisdom a house is built, and by understanding it is established; and by knowledge the rooms are filled with all precious and pleasant riches” (24:3–4). “He who tills his land will have plenty of food, but he who follows empty pursuits will have poverty in plenty” (28:19).
Paul tells us that parents are responsible for saving up for their children (2 Cor. 12:14), that “if anyone will not work, neither let him eat” (2 Thess. 3:10), and that “if anyone does not provide for his own, and especially for those of his household, he has denied the faith, and is worse than an unbeliever” (1 Tim. 5:8).
During his exceptionally long ministry, which spanned most of the eighteenth century, John Wesley earned a considerable amount of money from his published sermons and other works. Yet he left only 28 pounds when he died, because he continually gave what he earned to the Lord’s work.
It is fight to provide for our families, to make reasonable plans for the future, to make wise investments, and to have money to carry on a business, give to the poor, and support the Lord’s work. It is being dishonest, greedy, covetous, stingy, and miserly about possessions that is wrong. To honestly earn, save, and give is wise and good; to hoard and spend only on ourselves not only is unwise but sinful.
Some years ago, I happened to have contact with two quite wealthy men during the same week. One was a former professor at a major university who, through a long series of good investments in real estate, had accumulated a fortune of possibly a hundred million dollars. But in the process he lost his family, his happiness, his peace of mind, and had aged far beyond his years. The other man, a pastor, also acquired his wealth through investments, but they were investments to which he paid little attention. Because of his financial independence, he gave to his church over the years considerably more than he was paid for being its pastor. He is one of the godliest, happiest, most fruitful, and contented persons I have ever met.
The key to Jesus’ warning here is yourselves. When we accumulate possessions simply for our own sakes-whether to hoard or to spend selfishly and extravagantly-those possessions become idols.
It is possible that both our treasures upon earth and our treasures in heaven can involve money and other material things. Possessions that are wisely, lovingly, willingly, and generously used for kingdom purposes can be a means of accumulating heavenly possessions. When they are hoarded and stored, however, they not only become a spiritual hindrance but are subject to loss through moth, rust, and thieves.
In ancient times, wealth was frequently measured in part by clothing. Compared to our day of mass-produced clothes, garments represented a considerable investment. Rich people sometimes had golden threads woven into their clothing, both to display and to store their wealth. But the best clothes were made of wool, which the moth loves to eat; and even the richest persons had difficulty protecting their clothes from the insects.
Wealth was also often held in grain, as we see from the parable of the rich farmer who said, “I will tear down my barns and build larger ones, and there I will store all my grain and my goods” (Luke 12:18). Brōsis (rust) literally means “an eating,” and is translated with that meaning everywhere in the New Testament but here (see Rom. 14:17; 1 Cor. 8:4, “eating”; 2 Cor. 9:10, “food”; and Heb. 12:16, “meal”). It seems best to take the same meaning here, in reference to grain that is eaten by rats, mice, worms, and insects.
Almost any kind of wealth, of course, is subject to thieves, which is why many people buried their nonperishable valuables in the ground away from the house, often in a field (see Matt. 13:44). Break in is literally “dig through;” and could refer to digging through the mud walls of a house or digging up the dirt in a field.
Nothing we own is completely safe from destruction or theft. And even if we keep our possessions perfectly secure during our entire lives, we are certainly separated from them at death. Many millionaires will be heavenly paupers, and many paupers will be heavenly millionaires.
But when our time, energy, and possessions are used to serve others and to further the Lord’s work, they build up heavenly resources that are completely free from destruction or theft. There neither moth nor rust destroys, and … thieves do not break in or steal. Heavenly security is the only absolute security.
Jesus goes on to point out that a person’ished possessions and his deepest motives and desires are inseparable, for where your treasure is, there will your heart be also. They will either both be earthly or both be heavenly. It is impossible to have one on earth and the other in heaven (cf. James 4:4),
As always, the heart must be right first. In fact, if the heart is right, everything else in life falls into its proper place. The person who is right with the Lord will be generous and happy in his giving to the Lord’s work. By the same token, a person who is covetous, self-indulgent, and stingy has good reason to question his relationship with the Lord.
Jesus is not saying that if we put our treasure in the right place our heart will then be in the right place, but that the location of our treasure indicates where our heart already is. Spiritual problems are always heart problems. Sinful acts come from a sinful heart, just as righteous acts come from a righteous heart.
When the exiles who came back to Jerusalem from Babylon began turning to God’s Word, a revival also began. “Ezra opened the book in the sight of all the people” and various leaders took turns reading “from the law of God” (Neh. 8:5–8). Through hearing God’s Word the people became convicted of their sin, began to praise God, and determined to begin obeying Him and to faithfully support the work of the Temple (chs. 9–10).
Revival that does not affect the use of money and possessions is a questionable revival. As the Tabernacle was being built, “everyone whose heart stirred him and everyone whose spirit moved him came and brought the Lord’s contribution for the work of the tent of meeting and for all its service and for the holy garments” (Ex. 35:21). As plans were being made to build the Temple, David himself gave generously to the work, and “the rulers of the fathers’ households, and the princes of the tribes of Israel, and the commanders of thousands and of hundreds, with the overseers over the king’s work, offered willingly … Then the people rejoiced because they had offered so willingly, for they made their offering to the Lord with a whole heart, and King David also rejoiced greatly” (1 Chron. 29:2–6, 9).
G. Campbell Morgan wrote:
You are to remember with the passion burning within you that you are not the child of to-day. You are not of the earth, you are more than dust; you are the child of tomorrow, you are of the eternities, you are the offspring of Deity. The measurements of your lives cannot be circumscribed by the point where blue sky kisses green earth. All the fact of your life cannot be encompassed in the one small sphere upon which you live. You belong to the infinite. If you make your fortune on the earth-poor, sorry, silly soul-you have made a fortune, and stored it in a place where you cannot hold it. Make your fortune, but store it where it will greet you in the dawning of the new morning. (The Gospel According to Matthew [New York: Revell, 1929], pp. 64–65)
When thousands of people, mostly Jews, were won to Christ during and soon after Pentecost, the Jerusalem church was flooded with many converts who had come from distant lands and who decided to stay on in the city. Many of them no doubt were poor, and many others probably left most of their wealth and possessions in their homelands. To meet the great financial burden suddenly placed on the church, local believers “began selling their property and possessions, and were sharing them with all, as anyone might have need” (Acts 2:45).
Many years later, during one of the many Roman persecutions, soldiers broke into a certain church to confiscate its presumed treasures. An elder is said to have pointed to a group of widows and orphans who were being fed and said, “There are the treasures of the church.”
God’s principle for His people has always been, “Honor the Lord from your wealth, and from the first of all your produce; so your barns will be filled with plenty, and your vats will overflow with new wine” (Prov. 3:9–10). Jesus said, “Give, and it will be given to you; good measure, pressed down, shaken together, running over, they will pour into your lap. For by your standard of measure it will be measured to you in return” (Luke 6:38). Paul assures us that “he who sows sparingly shall also reap sparingly; and he who sows bountifully shall also reap bountifully” (2 Cor. 9:6). That is God’s formula for earning dividends that are both guaranteed and permanent.
At the end of His parable about the dishonest but shrewd steward, Jesus said, “I say to you, make friends for yourselves by means of the mammon of unrighteousness; that when it fails, they may receive you into the eternal dwellings” (Luke 16:9). Our material possessions are “unrighteous” in the sense of not having any spiritual value in themselves. But if we invest them in the welfare of human souls, the people who are saved or otherwise blessed because of them will someday greet us in heaven with thanksgiving.
6:19, 20 In verses 19–21 Jesus contravenes all human advice to provide for a financially secure future. When He says, “Do not lay up for yourselves treasures on earth,” He is indicating that there is no security in material things. Any type of material treasure on earth can be either destroyed by elements of nature (moth or rust) or stolen by thieves. Jesus says that the only investments not subject to loss are treasures in heaven.
6:21 This radical financial policy is based on the underlying principle that where your treasure is, there your heart will be also. If your money is in a safe-deposit box, then your heart and desire are also there. If your treasures are in heaven, your interests will be centered there. This teaching forces us to decide whether Jesus meant what He said. If He did, then we face the question, “What are we going to do with our earthly treasures?” If He didn’t, then we face the question, “What are we going to do with our Bible?”
19, 20. Do not gather for yourselves treasures on earth, where moth and rust consume, and where thieves dig through and steal. But gather for yourselves treasures in heaven, where neither moth nor rust consume, and where thieves do not dig through and steal. First the negative command is issued, then the positive (cf. verses 5, 6; 7–9; 16, 17; 19, 20; 25, 26, 28; 31, 33; and 7:1, 5). How absurd (see d above), Jesus is saying, to “treasure up” for oneself perishable earthly “treasures,” and while doing this to lose the imperishable heavenly riches! Earthly treasures are vulnerable because of deterioration and defalcation.
As to the first, deterioration, the moth consumes them. Moths, skippers, and butterflies belong to the large order of insects called Lepidoptera, that is, insects with scale-covered wings. In distinction from butterflies, moths a. constitute the largest division of this order, b. are largely nocturnal, and c. have antennae that are not club-shaped. The reference here in 6:19–21 is to the tiny insect that deposits its eggs in woolens. It is in the larval stage that it feeds on the cloth until the garment, etc., becomes moth-eaten and is destroyed (Isa. 51:8; Luke 12:33; James 5:2). Rust probably indicates the corrosion of metals, their being gradually gnawed into by the action of chemicals.
In all probability, however, the terms “moth” and “rust” represent all those agencies and processes that cause earthly treasures to diminish in value and finally to cease completely to serve their purpose. Thus, bread becomes moldy (Josh. 9:5), garments wear out (Ps. 102:26), fields (particularly neglected ones) become weed-infested (Prov. 24:30), walls and fences break down (Prov. 24:31), roofs cave in so that houses begin to leak (Eccl. 10:18), and gold and silver become tarnished and perish (1 Peter 1:7, 18). Add the havoc brought about by termites, hurricanes, typhoons, tornadoes, earthquakes, plant diseases, soil erosion, etc. The list is almost endless.
As to the second, defalcation, thieves break through and steal. Through the clay wall of the houses of which Jesus was thinking the thief rather easily digs an entrance and steals the ill-guarded treasures. Inflation, oppressive taxation which may amount to confiscation, bank failures, stock market slumps and crashes, expenses in connection with prolonged illnesses, these and many similar woes have the same effect. Besides, man’s body, including that of the strongest, gradually wears away (Ps. 32:3; 39:4–7; 90:10; 103:15, 16; Eccl. 12:1–8). When he dies, all the earthly treasures on which he had pinned his hopes vanish with him.
Completely different are “the treasures in heaven” (cf. 19:21), that is, those blessings that are reserved for us in heaven (1 Peter 1:4), that are heavenly in character, but of which we experience a foretaste even now. Beginning, as is proper, with the enumeration of some of these as Jesus himself describes them, one thinks of our standing with God as being fully pardoned (Matt. 6:14), answered prayer (7:7), the enrolment of our names in heaven (Luke 10:20), the Father’s love (John 16:27), a welcome not only to the “mansions” of heaven but to the Savior’s own heart (John 14:2, 3), a full share in Christ’s own peace (John 14:27), his own joy (John 15:11), and his own victory (John 16:33), and the Holy Spirit’s permanent indwelling (John 14:16, 26; 15:26). See also all the spiritual blessings mentioned in the beatitudes (Matt. 5:1–12). Paul is thinking of these same treasures, and describes them sometimes in the same, sometimes in his own terms: our “being justified by faith” (Rom. 5:1), “answered prayer” (2 Cor. 12:8, 9), “the love of God shed abroad in our hearts” (Rom. 5:5), “the crown of righteousness” with which the Savior will welcome us (2 Tim. 4:8), “the peace of God that passes all understanding (Phil. 4:7), “rejoicing in God through our Lord Jesus Christ” (Rom. 5:11), “the victory” (1 Cor. 15:57), and “his Spirit in the inner man” (Eph. 3:16; cf. Rom. 8:14, 16, 26, 27). The enumerations are merely illustrative, not exhaustive.
There is a degree of difference with which spiritual (as over against material) blessings are emphasized in the New Testament as compared with the Old. With the coming of Christ heaven as it were touches the earth. See N.T.C. on Ephesians, p. 73.
That the heavenly treasures are moth-proof, rust-proof, and burglar-proof (verse 20), in other words, that they endure forever in all their sparkling luster, as the irremovable possession of the children of the heavenly Father, is the teaching of Scripture throughout, for it tells us about:
a faithfulness that will never be removed (Ps. 89:33; 138:8),
a life that will never end (John 3:16),
a spring of water that will never cease to bubble up within the one who drinks of it (John 4:14),
a gift that will never be lost (John 6:37, 39),
a hand out of which the Good Shepherd’s sheep will never be snatched (John 10:28),
a chain that will never be broken (Rom. 8:29, 30),
a love from which we shall never be separated (Rom. 8:39),
a calling that will never be revoked (Rom. 11:29),
a foundation that will never be destroyed (2 Tim. 2:19),
and an inheritance that will never fade out (1 Peter 1:4, 5).
The following questions may well be asked, however, “But if it is wrong to gather treasures on earth, does this mean, then, that making provision for future physical needs is always and absolutely wrong?” “Must all trade, commerce, and industry, carried on for the purpose, at least in part, of making a profit, be condemned?” “Are all rich people to be considered reprobates?” To all three questions the answer is, “No.” God did not condemn Joseph for advising Pharaoh to store up grain for future use (Gen. 41:33–36). Nor were Solomon and Agur wrong in pointing to the ant as an example of the common sense revealed in providing during the summer for the needs of the winter (Prov. 6:6; 30:25). Nor did Paul make a mistake when he wrote 2 Cor. 12:14b and 1 Tim. 5:8. Business and banking are encouraged, by implication, in Christ’s parables (Matt. 25:14–30; Luke 19:11–23). The rich man Abraham (Gen. 13:2) was a friend of God (Isa. 41:8; 2 Chron. 20:7; James 2:23). Rich Zachaeus (Luke 19:2) was accounted worthy to be called “a son of Abraham” (Luke 19:9); and wealthy Joseph of Arimathea was a follower of the Lord (Matt. 27:57).
Nevertheless, the accumulation of wealth is fraught with spiritual danger (Matt. 19:24; Luke 12:16–21; 1 Tim. 6:10). To be sure, money can be a great blessing, if it is not an end in itself but a means to an end, namely, a. to prevent one’s own family from becoming a burden to others (1 Tim. 5:8), b. to help those who are in need (Prov. 14:21; 19:17; Acts 4:36, 37; 11:27–30; 24:17; Rom. 15:25; 2 Cor. 8:4, 9; Gal. 2:10; 6:10; Eph. 4:28), and c. to encourage the work of the gospel both at home and abroad (Mark 15:41; Luke 8:2, 3; Acts 16:15, 40; 1 Cor. 9:9; Phil. 4:15–17; 1 Tim. 5:17, 18), all to the glory of God (1 Cor. 10:31). However, money can also be a snare (Mark 14:11; Luke 22:5; Acts 8:18, 20).
Naturally, if a person’s real treasure, his ultimate aim in all his striving, is something pertaining to this earth—the acquisition of money, fame, popularity, prestige, power—, then his heart, the very center of his life (Prov. 4:23), will be completely absorbed in that mundane object. All of his activities, including even the so-called religious, will be subservient to this one goal. On the other hand, if, out of sincere and humble gratitude to God, he has made God’s kingdom, that is, the joyful recognition of God’s sovereignty in his own life and in every sphere, his treasure, then there is also where his heart will be. Money, in that case, will be a help, not a hindrance. Something of this nature Jesus must have had in mind when he said, 21. For where your treasure is, there will your heart be also. The “heart” cannot be in both of these places at the same time. It is an either-or proposition! See verse 24.
19 The present tense prohibition mē thēsaurizete (GK 2564) conceives of the “storing up” as a process, a practice that must be stopped (similarly at v. 25).
The love of wealth is a great evil (1 Ti 6:10), calling forth frequent warnings. For heirs of the kingdom to hoard riches in the last days (Jas 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 (see Lk 14:12; Jn 4:21; 1 Pe 3:3–4 for other statements that cannot properly be absolutized). Elsewhere the Scriptures require a man to provide for his relatives (1 Ti 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 (1 Ti 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 (vv. 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, Message of the Sermon on the Mount, 155). But it is folly to put oneself in the former category while acting and thinking in the latter (cf. France, “God and Mammon”).
The “treasures on earth” might be clothing that could be attacked by moths. Fashions changed little, and garments could be passed on. They could also deteriorate. “Rust” (brōsis, GK 1111) refers not only to the corrosion of metals but to the destruction effected by rats, mildew, and the like. Older commentaries often picture a farm being devoured by mice and other vermin. Less corruptible treasures could be stolen. Thieves could “break in [dioryssousin, “dig through,” referring to the mud brick walls of most first-century Palestinian homes] and steal.”
20–21 By contrast, the treasures in heaven are forever exempt from decay and theft (cf. Lk 12:33). The words “treasures in heaven” go back to Jewish literature (m. Peʾah 1:1; T. Levi 13:5; Pss. Sol. 9:9). Here it refers to whatever is of good and eternal significance that comes out of what is done on earth. Doing righteous deeds, suffering for Christ’s sake, forgiving one another—all these have the promise of “reward” (see comments at 5:12; cf. 5:30, 46; 6:6, 15; 2 Co 4:17). Other deeds of kindness also store up treasure in heaven (10:42; 25:40), including willingness to share (1 Ti 6:13–19).
In the best MSS, the final aphorism (v. 21) reverts to second person singular (cf. vv. 2, 6, 17; see comments at 5:23). The point is that the things most highly treasured occupy the “heart,” the center of the personality, embracing mind, emotions, and will (cf. NIDNTT, 2:180–84), and thus the most cherished treasure subtly but infallibly controls the whole person’s direction and values. “If honor is rated the highest good, then ambition must take complete charge of a man; if money, then forthwith greed takes over the kingdom; if pleasure, then men will certainly degenerate into sheer self-indulgence” (Calvin). Conversely, those who set their minds on things above (Col 3:1–2), determining to live under kingdom norms, discover at last that their deeds follow them (Rev 14:13).
 MacArthur, J. (2008). Daily readings from the life of Christ (p. 164). Chicago: Moody Publishers.
 MacArthur, J. F., Jr. (1985). Matthew (pp. 409–413). Chicago: Moody Press.
 MacDonald, W. (1995). Believer’s Bible Commentary: Old and New Testaments. (A. Farstad, Ed.) (p. 1225). Nashville: Thomas Nelson.
 Hendriksen, W., & Kistemaker, S. J. (1953–2001). Exposition of the Gospel According to Matthew (Vol. 9, pp. 343–346). Grand Rapids: Baker Book House.
 Carson, D. A. (2010). Matthew. In T. Longman III & D. E. Garland (Eds.), The Expositor’s Bible Commentary: Matthew–Mark (Revised Edition) (Vol. 9, pp. 211–212). Grand Rapids, MI: Zondervan.