“Where your treasure is, there your heart will be also.” — Matthew 6:21
When Jesus said those words, He wasn’t just giving us a lesson on giving or saving. He was getting to the root of something much deeper: our hearts.
At Faith & Finance, we often say that money touches every part of life, but the most important part is our spiritual life. Our financial decisions, priorities, and fears don’t just reflect our budgets—they reflect our beliefs, values, and, ultimately, our worship.
Let’s explore how our money issues are really heart issues—and what that means for how we live and give.
Many people see money as a neutral resource—a tool to earn, spend, save, or give. But Scripture reveals that money has much more influence than we realize. It can:
That’s why issues like debt, greed, anxiety, or even generosity aren’t primarily financial—they’re spiritual. When we overspend to maintain a lifestyle, is it because our identity is tied to our possessions? When we obsess over savings or investments, is it because we trust our bank account more than we trust God? When we hesitate to give, are we being ruled by fear of not having enough?
In this way, money becomes a spiritual thermometer—measuring our faith and showing us where our hearts truly rest.
One of the clearest biblical examples of this dynamic is the story of the rich young ruler in Mark 10:17–22. Eager to inherit eternal life, this man claimed to have kept all the commandments. But Jesus knew his heart.
“Go, sell everything you have and give to the poor, and you will have treasure in heaven. Then come, follow me.” — Mark 10:21
The man walked away, sorrowful. His wealth had a stronger grip on his heart than his desire to follow Jesus. His struggle wasn’t with budgeting—it was with idolatry.
As John Calvin famously said, “The human heart is an idol factory.” We all have things we cling to—things we’re tempted to trust more than God. The rich young ruler’s story invites us to ask: What would make us walk away from Jesus?
If the answer is money, then our issue isn’t financial—it’s spiritual.
Of course, not everyone struggles with greed. Some struggle with fear. Jesus spoke to this often.
In Matthew 6:25–34, Jesus tells us not to worry about food, drink, or clothing. If God cares for the birds of the air and the flowers of the field, how much more will He care for His children?
Financial anxiety reveals something crucial: a lack of trust in God’s provision. When we believe our well-being depends entirely on our ability to earn, save, or invest, we carry a weight God never intended us to bear.
This doesn’t mean we shouldn’t plan wisely—but it does mean that financial stress often signals a deeper spiritual need to trust God’s character and promises.
If money is a heart issue, then our generosity—or lack of it—speaks volumes.
The early church in Acts was known for radical generosity. Believers sold possessions and shared what they had to meet each other’s needs. Why? Because the gospel had transformed their hearts. Their giving flowed not from guilt but from grace.
C.S. Lewis once wrote,
“Every faculty you have…is given you by God. If you devoted every moment of your whole life exclusively to His service, you could not give Him anything that was not in a sense His own already.”
True generosity doesn’t come from obligation—it comes from a heart that knows everything belongs to God.
So ask yourself: Do I see money as mine to control or God’s to steward? Do I give joyfully—or do I give reluctantly, out of fear?
Since money problems are ultimately heart problems, the solution goes beyond budgeting tools and interest rates (as helpful as those are). What we need most is heart transformation.
Here are four truths to guide your financial discipleship:
Do you really believe God will provide? If not, fear will drive your financial choices more than faith.
Discontentment fuels anxiety, but gratitude shifts our focus to what God has already given.
Giving breaks the power of money over your heart. It’s a spiritual exercise that redirects your trust toward God.
Jesus promised that if we seek God’s kingdom first, all these things—our needs—will be provided (Matthew 6:33). Prioritize Him, and let peace replace worry.
In the end, how we handle money reveals what we treasure. May we be people who treasure Christ above all—because only then will our hearts be truly free.
Let’s make sure our treasure—and our trust—are in the right place.
Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
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