Masters Plan

Go Therefore and Make Disciples


Life In This World


“for where your treasure is, there your heart will be also.”     Matthew 6:21

What do you treasure?

There is a fundamental relationship between our spiritual lives and how we think about and manage the money that God has entrusted to us.  Jesus taught more about money and possessions than He did about both heaven and hell.  One out of every six lines Jesus speaks concerns the topic of money and possessions.  In Matthew 6:24, Jesus specifically names money as the idol that will compete most for our love and devotion: “No one can serve two masters; for either he will hate the one and love the other, or he will hold to one and despise the other.  You can not serve God and wealth.”

Money itself is not a bad thing; in fact, a lot of good can come from financial resources.  Money only becomes a bad thing when we make it the ultimate thing.  An expression that is often used in relation to money is that “we worship the almighty dollar.”  This is not really an accurate statement, no one actually worships money, but how we use our money is a great indicator of what it is that we worship and treasure.  Money is often mistaken for the thing that we treasure, when in reality we spend our money on what it is that we treasure.  Treasure is the person or thing that we are convinced will provide us with security and significance here on earth.  We will spend our life trying to find and obtain that treasure.

Matthew 6:21, “For where your treasure is, there your heart will be also.”

Commenting on Matthew 6:21, Tim Keller says, “Jesus here tells us the most important lesson about money.  Our heart, our desire and hope, is tied closely to our treasure.  Our money and our heart go together.”  We all know that this is true to a certain extent, but when Jesus calls our attention to this part of our character, He confronts us.  He alerts us to the powerful tug that material wealth and possessions provide, an allure that makes us do, act, and believe contrary to our Christian confession.  We say that we live for heaven.  Our pocketbook shows us that we really live for earthly things.  He calls us to examine where we place our money and our heart, temporary earthly pleasures or eternal Kingdom investments.


In Matthew 6:19-20 Jesus is forcing us to see that regardless of how secure our treasure may be, it will ultimately fail us. Jesus points to the fact that whatever we fix as our treasure will take over our whole life.  There is not option in this matter: our whole mind will be fixed around our treasure.

                                                          Richard Foster, Freedom of Simplicity


The words of Jim Elliot were true: "He is no fool to give what he cannot keep to gain what he cannot lose."  The quest for 'things' is robbing people of joy, and this includes Christian people.  We want to possess things, and then we discover that things possess us.

                                                           Warren Wiersbe, Be Joyful


  • What do you treasure?
  • What would your checkbook and calendar say that you treasure?
  • How will you apply the truths in this topic to your life this week?  Be specific.

Additional Quotes

It is not scientific doubt, not atheism, not pantheism, not agnosticism, that in our day and in this land is likely to quench the light of the gospel.  It is a proud, sensuous, selfish, luxurious, church-going, hollow-hearted prosperity.  Frederic D. Huntington, Fourmu magazine, 1980.


Another way to discern your heart's true love is to look at how you spend money.  Jesus said, "Where your treasure is, there is your heart also" (Matt 6:21).  Your money flows most effortlessly toward your heart's greatest love.  The mark of an idol is that you spend too much money on it, and you must try to exercise self-control constantly.                                Timothy Keller, Counterfeit Gods

So what if the well-fed church in the homeland needs stirring?  they have the Scriptures, Moses, and the Prophets, and a whole lot more.  Their condemnation is written on their bank books and in the dust on their Bible covers.  American believers have sold their lives to the service of Mammon, and God has His rightful way of dealing with those who succumb to the spirit of Laodicea.                     Elisabeth Elliot, Shadow of the Almighty: The Life and Testament of Jim Elliot


Jesus uses two parables when discussing our relationship between money and the kingdom of God.

Matt 13:44-46, “The Kingdom of heaven is like treasure hidden in a field.  When a man found it he hid it again and then in his joy went and sold all he had and bought that field.  Again the kingdom of heaven is like a merchant looking for fine pearls.  When he found one of great value; he went away and sold everything he had and bought it.” 

In these parables Jesus speaks of the one and only true treasure, the kingdom of heaven.  It is the only treasure in which we can find real security and significance.  Once confronted with this reality and understanding the depth of the treasure of the kingdom of heaven, our perspective is changed with regard to our earthly treasure.

verses related to this topic

  • Matthew 6:19-20

    Matthew 6:19-20

    “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;”

  • Matthew 6:21

    Matthew 6:21

    “for where your treasure is, there your heart will be also.”

  • Matthew 6:24

    Matthew 6:24

    “No one can serve two masters; for either he will hate the one and love the other, or he will be devoted to one and despise the other. You cannot serve God and wealth.”

  • Matthew 13:44-46

    Matthew 13:44-46

    “The kingdom of heaven is like a treasure hidden in the field, which a man found and hid again; and from joy over it he goes and sells all that he has and buys that field. Again, the kingdom of heaven is like a merchant seeking fine pearls, and upon finding one pearl of great value, he went and sold all that he had and bought it.”

  • Luke 12:33

    Luke 12:33

    “Sell your possessions and give to charity; make yourselves money belts which do not wear out, an unfailing treasure in heaven, where no thief comes near nor moth destroys.”

  • Philippians 3:8

    Philippians 3:8

    More than that, I count all things to be loss in view of the surpassing value of knowing Christ Jesus my Lord, for whom I have suffered the loss of all things, and count them but rubbish so that I may gain Christ.

  • 1 Timothy 6:17-19

    1 Timothy 6:17-19

    Instruct those who are rich in this present world not to be conceited or to fix their hope on the uncertainty of riches, but on God, who richly supplies us with all things to enjoy. Instruct them to do good, to be rich in good works, to be generous and ready to share, storing up for themselves the treasure of a good foundation for the future, so that they may take hold of that which is life indeed.

  • Revelation 3:18

    Revelation 3:18

    “I advise you to buy from Me gold refined by fire so that you may become rich, and white garments so that you may clothe yourself, and that the shame of your nakedness will not be revealed; and eye salve to anoint your eyes so that you may see.”

books related to this topic

  • When the Game Is Over, It All Goes Back in the Box

    When the Game Is Over, It All Goes Back in the Box

    John Ortberg points out that being the Master of the Board is not the point; being rich toward God is. Winning the game of life on Earth is a temporary victory; loving God and other people with all our hearts is an eternal one.

  • Freedom of Simplicity

    Freedom of Simplicity

    In this warm and inviting guide to creating a more human style of living, Foster guides us on the simple path toward finding God by learning to listen, to give, to understand, to show compassion, and to accept what we already have.

  • The Treasure Principle

    The Treasure Principle

    In Randy Alcorns’s The Treasure Principle, you’ll unearth a radical teaching of Jesus—a secret wrapped up in giving. Once you discover this secret, life will never look the same.

  • Counterfeit Gods

    Counterfeit Gods

    In Countfeit Gods, Keller shows how the Bible reveals the unvarnished truth about our faith and our hearts' desires. This powerful and inspiring message will cement Keller's reputation as a critical thinker and pastor, and comes at a crucial time--for both the faithful and the skeptical.

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