Our Ultimate Treasure: Money Issues are Heart Issues

Jan 5, 2026

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Money has a way of reaching places in our lives that nothing else does. It touches our fears, our desires, our relationships, and our sense of security. That’s why Jesus said, “Where your treasure is, there your heart will be also” (Matthew 6:21).

Jesus wasn’t merely offering financial advice—He was revealing something deeply spiritual. Money issues are rarely just about money. They are heart issues. Our financial lives quietly expose what we trust, what we desire, and what we believe will ultimately take care of us.

A Lesson From a Hillside in Kenya

Years ago, Ron Blue shared a story that reshaped our understanding of stewardship.

Ron was sitting on a hillside in Kenya with a local pastor, overlooking the village below. Curious, Ron asked what he assumed was a practical question: “What is the greatest barrier to the spread of the gospel here?” He expected the answer to be a lack of money, transportation, or resources.

The pastor didn’t hesitate. “Materialism,” he said.

Ron was stunned. Materialism? In a village of mud huts?

The pastor explained, “If a man has a mud hut, he wants a stone hut. If he has a thatched roof, he wants a metal one. If he has one cow, he wants two.”

In that moment, Ron realized something profound: materialism isn’t about how much you have—it’s about what your heart longs for. If materialism can thrive in a mud hut just as easily as in an American suburb, then money itself isn’t the root problem. The heart is.

Money as a Mirror

Money is not moral or immoral. It’s a tool. But because it touches nearly every area of our lives, it becomes one of the clearest mirrors of what’s happening inside us.

When we overspend, it may reveal a longing for identity or approval.
When we cling tightly to savings, it may expose where we seek security.
When we fall into debt, it may reflect impatience or a desire to live beyond God’s provision.
When we resist generosity, it may reveal fear that God won’t come through.

In every case, the dollars are secondary. The heart is primary.

God’s Invitation to Freedom

The good news is that God cares deeply about the state of our hearts—and He invites us into freedom. Freedom from fear. Freedom from comparison. Freedom from striving. Freedom from the quiet belief that everything depends on us.

Over the years of studying Scripture and walking with individuals and families through financial decisions, a few foundational truths have continued to surface.

1. God Owns It All

Ownership determines responsibility. If everything belongs to God, we stop clinging to money as if our lives depend on it. Instead, we manage it as stewards—grateful, humble, and free.

2. God Is Our Provider

Scripture reminds us that God feeds the birds and clothes the lilies—and that we, His children, are worth far more. When we truly believe that, fear begins to loosen its grip.

3. Money Is a Tool, Not a Treasure

Money was never meant to carry the weight of our identity or security. It was meant to serve God’s purposes—meeting needs, blessing others, advancing the gospel, and reflecting the generosity of the One who gave everything for us.

4. Financial Decisions Are Acts of Worship

Every spending choice, every act of saving, every moment of generosity becomes an opportunity to honor God. When we begin asking, “How can I serve You with this?” money stops being a rival and becomes a means of discipleship.

Rediscovering Our Ultimate Treasure

These truths aren’t theoretical. They shape every page of our new devotional (coming out next month), Our Ultimate Treasure—a 21-day journey to faithful stewardship. We wrote it to help readers see how deeply biblical principles shape everyday financial decisions.

Our prayer is that as people walk through it, they’ll experience peace where fear once lived, contentment where comparison once thrived, and generosity where self-protection once dominated.

Ultimately, money will reveal what we treasure most. And when Christ is our ultimate treasure, we discover a freedom that no amount of money can ever provide.

That freedom isn’t found in having more—but in trusting more deeply.

On Today’s Program, Rob Answers Listener Questions:

My wife and I are both over 65 and have a financial planner, CPA, and estate attorney. On paper, everything seems in place—but my wife doesn’t feel confident. She’s really looking for someone to act as a ‘quarterback’ for our finances. Is it reasonable to expect a Certified Financial Planner to coordinate everything, including budgeting, or should that role belong to someone else?
I pay my credit cards off in full every month and don’t have any debt in collections. I received a suspicious-looking notice and didn’t click it because I wasn’t sure it was a scam.
I know many people now take the standard deduction since it’s higher, but I’ve heard that charitable contributions can still be deducted even if you don’t itemize. Is that true? I thought that could encourage giving to nonprofits.
I owe about $5,500 on my car, with a $185 monthly payment. It’s starting to require frequent repairs, and it’s probably worth around $4,000. Since the bank holds the title, what are my options? Can I sell it, or am I limited because the car is the collateral for the loan?

Resources Mentioned:

Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

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