“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.
More Than Just a Tool
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:
- Shape our desires
- Test our trust
- Reveal what we truly worship
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.
The Rich Young Ruler: A Heart Exposed
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.
When Money Reveals Fear, Not Just Greed
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 p