Lay not up for yourselves treasures upon the earth, where moth and rust spoils, and where thieves dig through and steal;
Matthew 6:19 · DarbyView all translations →

Jesus is teaching His disciples on the mountain, and He turns to what they do with money and possessions. Two questions follow at once: what is forbidden, and does it touch savings and providing for a family?

Spoken to Disciples

These words are not general advice to the world. One writer points back to who was listening, and to what earth and heaven are each like:

Matthew 6:19 is surely addressed to the disciples of Christ (see Matthew 5:1). And how much we need to pay attention to such instruction. You will notice that our blessed Lord is setting out here the moral characteristics of earth and heaven. There is no such thing as moth, or rust, or thief in heaven. On earth there is.

C. H. Mackintosh

What the Warning Targets

The warning does not condemn every blessing. It draws a line between blessing God gives and blessing a person chases:

The warning of the Lord Jesus — first of all directed to His disciples — does not refer to the blessing of God we may desire. It refers to something completely different: the greedy striving after wealth and earthly security. We read about this already in Proverbs 23:4-5: "Do not toil to acquire wealth; be discerning enough to desist. When your eyes light on it, it is gone, for suddenly it sprouts wings, flying like an eagle toward heaven."

Arend Remmers

Small Agents of Ruin

The destroyers Jesus names are small and ordinary:

Earthly wealth and earthly treasures are passing and therefore very insecure. This is what the Lord Jesus sets before His disciples here. The moth, a small, insignificant creature, can ruin the most costly materials in a very short time. Rust can destroy the things that seem most durable and most valuable, and thieves can steal it all at once. In the last century, war, flight and inflation taught many people — including children of God — that their apparent earthly securities could vanish like vapour.

Arend Remmers

The Heart Follows

The Lord warns that your heart follows your treasure. That closes off a common excuse:

Child of God, where is your treasure? Is it Christ in heaven? If so, you are happy! If it is wealth or distinction, the Lord warns, your heart will be there too. Many hold a fond notion that directly contradicts Christ: that the struggle for riches can swallow up a whole life while the heart is not in it but true to Him. What can be more false and deceiving! It is not for lack of solemn warning that a Christian can stray like this. What we are set on and live for from day to day proves our character and our state.

William Kelly

Two Kinds of Security

Death lies on everything here. That makes one kind of treasure sure and the other not:

Here our Lord contrasts the heavenly with the earthly, the spiritual with the natural, the things of time with those of eternity. His estimate of these is perfect, and He would have us governed by it. The heart follows what it prizes most, and if that is the things of earth, how great the loss! In this world, where death lies on everything, people set up many artificial arrangements to give security. But what is heavenly and eternal needs no insurance societies — eternal things are the sure things.

James McBroom

Sending It Ahead

What you hold is your Master's, not your own. But there is a way to make it truly yours:

As to things here, you have your Master's goods. If you hoard them up here, you surely lose them hereafter, and turn them into accusers. On the other hand, you have gracious permission to transfer them really to your own account, by laying them up where your treasure is — "in heaven."

Frederick W. Grant

Duty and Hoarding

This does not cancel ordinary duty. One writer draws a line between honest provision and hoarding:

We believe the Christian is bound to provide for his family, day by day — bound to educate his children and put them in the way of earning an honest living. The New Testament commands all this so plainly that no one can question it. But these sacred duties leave the question of hoarding and speculation untouched. We do not believe in these at all. We believe that hoarding covers the soul with rust, and speculation fills the heart and mind with care and anxiety.

C. H. Mackintosh

Summary

- Where it's said — Jesus speaks to His disciples, not to the world as general advice.

- Where the fault lies — not in wealth God gives, but in the greedy striving after wealth and earthly security.

- Where it fails — moth, rust and thieves do their work on earth. Heaven has none of them.

- Where your heart goes — the heart follows what it prizes, so what you live for day by day proves your real state.

- Where to send it — hoard your Master's goods here and you lose them, and they accuse you. Lay them up above and they go to your own account.

Reviewed by Orion on August 19, 2026