Bible reading
Matthew 6:19–24 (ESV)
19 “Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal,
20 but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal.
21 For where your treasure is, there your heart will be also.
22 “The eye is the lamp of the body. So, if your eye is healthy, your whole body will be full of light,
23 but if your eye is bad, your whole body will be full of darkness. If then the light in you is darkness, how great is the darkness!
24 “No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.”
Observation questions
- In verses 19–20, list the three threats to earthly treasure and the three protections of heavenly treasure. What does that reveal about the nature of each kind of treasure?
- Verse 21 says, “For where your treasure is, there your heart will be also.” According to Jesus, does the heart lead the treasure or does the treasure lead the heart?
- In verses 22–23, what images and contrasts does Jesus use to describe the “eye”? What happens to the whole body depending on the eye?
- The phrase “Don’t treasure treasures on earth” highlights a wordplay in the text. How does that sharpen the command—what is being forbidden exactly? [18:19]
Interpretation questions
- How can ordinary “saving” slide into “wicked saving”? What motives or aims turn prudent planning into idolatry? Consider the example of building bigger barns (Luke 12) and the warning that “there is a wicked way to save your money.” [19:20]
- If the “eye” is the lamp of the body, what might a “healthy” eye look like in real life? How do habits, media intake, and friendships harden or soften the lens through which money, people, and pleasure are seen? [47:07]
- “No one can serve two masters” is an ultimatum. How does this force a person to be honest about who or what is ruling their budget, consumption, and ambition? What does “hate/love” and “devoted/despise” expose? [01:01:57]
- If every act of obedience is “blood-backed,” how does that reframe small, unseen practices like quiet prayer, secret giving, or daily Scripture reading? Why might that make heavenly investment more compelling than immediate returns? [01:14:56]
Application questions
- Heart check with your bank statement: Take 10 minutes this week to sort last month’s spending into your top five categories. What does that layout say about your loves? Where is the heart being pulled by repeated purchases? [37:17]
- Name one place you might be practicing “wicked saving”—hoarding for fear, status, or self-preservation. What concrete change could you make this month (percentage, cap, or timeline) to turn that money into kingdom stewardship for others? [19:20]
- Do a “kingdom exchange” this week. Pick one discretionary spend (coffee run, fast food, streaming add-on) and divert it to a kingdom investment. How will you do it in secret and with joy, trusting God to see and reward? [28:51]
- Eye training plan: What will you put before your eyes daily to retrain your lens—specific Scripture readings, a media fast, or a new friendship that stirs faith? Write one step for this week and one for this month. [42:01]
- Two-masters moment: Identify one decision on your horizon (a purchase, a job move, an upgrade) where you feel the pull of two masters. What would “love/devotion” to Christ look like in that choice—and what would “despise” of money look like? [01:03:07]
- Secret practices that become deposits: Choose one hidden practice to do this week (quiet prayer slot, a day of fasting, anonymous gift). When and where will you do it? Who will be your “partner” for accountability without broadcasting it? [03:51]
- Stewardship as redemption: What “worldly means” is already in your hand (skill, car, home, budget line)? Brainstorm one small experiment this month to turn that into a blessing for neighbor and kingdom ends. Set a date and invite one other person into it. [12:46]