“Don’t store up treasures here on earth, where moths eat them and rust destroys them, and where thieves break in and steal. Store your treasures in heaven, where moths and rust cannot destroy, and thieves do not break in and steal. Wherever your treasure is, there the desires of your heart will also be. Your eye is like a lamp that provides light for your body. When your eye is healthy, your whole body is filled with light. But when your eye is unhealthy, your whole body is filled with darkness. And if the light you think you have is actually darkness, how deep that darkness is! No one can serve two masters. For you will hate one and love the other; you will be devoted to one and despise the other. You cannot serve God and be enslaved to money.”
We enter this world with nothing, and we leave with nothing. Yet somewhere in between, we convince ourselves that what we accumulate is ours. Jesus challenges this illusion with a simple truth: everything we have is temporary, and we are not owners but stewards.
The Greek word for treasure, “thesauros,” is where we get our word “thesaurus”—a treasury of words. Just as a thesaurus is a collection we can access but don’t truly own, so are our earthly possessions. We’re managers of what God has entrusted to us, and our management reveals where our heart truly resides.
Jesus isn’t being harsh when He talks about treasure; He’s being loving. He knows that whatever we treasure will capture our heart, and He wants our hearts anchored in eternity, not in things that moths, rust, and thieves can destroy. The question isn’t whether we’ll treasure something—we all do. The question is what we’ll treasure and where we’ll store it.
When Jesus says we cannot serve both God and money, He’s not saying money is evil. He’s saying that money demands allegiance, and our hearts aren’t big enough for two masters. One will win. The good news is that we get to choose, every single day, which master we’ll serve.
“Someone came to Jesus with this question: ‘Teacher, what good deed must I do to have eternal life?’ ‘Why ask me about what is good?’ Jesus replied. ‘There is only One who is good. But to answer your question—if you want to receive eternal life, keep the commandments.’ ‘Which ones?’ the man asked. And Jesus replied: ‘You must not murder. You must not commit adultery. You must not steal. You must not testify falsely. Honor your father and mother. Love your neighbor as yourself.’ ‘I’ve obeyed all these commandments,’ the young man replied. ‘What else must I do?’ Jesus told him, ‘If you want to be perfect, go and sell all your possessions and give the money to the poor, and you will have treasure in heaven. Then come, follow me.’ But when the young man heard this, he went away sad, for he had many possessions. Then Jesus said to his disciples, ‘I tell you the truth, it is very hard for a rich person to enter the Kingdom of Heaven. I’ll say it again—it is easier for a camel to go through the eye of a needle than for a rich person to enter the Kingdom of God!’ The disciples were astounded. ‘Then who in the world can be saved?’ they asked. Jesus looked at them intently and said, ‘Humanly speaking, it is impossible. But with God everything is possible.’”
The rich young ruler had everything going for him. He was moral, religious, and wealthy. He’d kept all the commandments. But Jesus, looking at him with love, identified the one thing standing between this man and eternal life: his attachment to his possessions.
Notice that Jesus didn’t tell everyone to sell everything. This was a specific prescription for a specific heart condition. Jesus always addresses our attachments—those things we cling to that keep us from fully following Him. For this young man, it was wealth. For you, it might be something entirely different: security, comfort, control, reputation, or relationships.
The tragedy of this story isn’t that the man had wealth; it’s that his wealth had him. He couldn’t imagine that what he’d stored up on earth could ever be outmatched in heaven. His vision was limited to what he could see and touch, and so he walked away sad, choosing temporary treasure over eternal life with Jesus.
But here’s the hope: when the disciples asked, “Then who can be saved?” Jesus looked at them intently and said, “With God everything is possible.” We can’t free ourselves from our attachments through willpower alone. But God can do what we cannot. Surrendering our attachments isn’t about earning salvation—it’s about removing the barriers that keep us from fully receiving what Jesus offers: Himself.
“Jesus sat down near the collection box in the Temple and watched as the crowds dropped in their money. Many rich people put in large amounts. Then a poor widow came and dropped in two small coins. Jesus called his disciples to him and said, ‘I tell you the truth, this poor widow has given more than all the others who are making contributions. For they gave a tiny part of their surplus, but she, poor as she is, has given everything she had to live on.’”
Jesus sat intentionally near the collection box, watching. He wasn’t critiquing or shaming; He was observing and preparing to teach His disciples something profound about the kingdom of heaven. What He saw that day turned the world’s value system upside down.
The wealthy gave large amounts—impressive by any human standard. Their gifts likely drew attention, perhaps even applause. But Jesus wasn’t impressed. Why? Because they gave from their surplus, from their abundance, from what they wouldn’t miss. There was no sacrifice, no sting, no dependence on God required after their gift.
Then came the widow with two small coins—the equivalent of finding pennies cut in half. By worldly measures, her gift was insignificant, almost embarrassing. But Jesus called His disciples over and said, “This poor widow has given more.” More? How? Because she gave everything she had to live on. Her gift required faith that God would provide. Her gift cost her something. Her gift was sacrificial.
God is always about quality over quantity. He’s notimpressed by the size of our gifts but by the size of our faith and sacrifice behind them. The widow gave in a way that required her to depend completely on God for her next meal. That’s the kind of giving that stores up treasure in heaven.
“Then Peter said to him, ‘We’ve given up everything to follow you. What will we get?’ Jesus replied, ‘I assure you that when the world is made new and the Son of Man sits upon his glorious throne, you who have been my followers will also sit on twelve thrones, judging the twelve tribes of Israel. And everyone who has given up houses or brothers or sisters or father or mother or children or property, for my sake, will receive a hundred times as much in return and will inherit eternal life. But many who are the greatest now will be least important then, and those who seem least important now will be the greatest then.’”
Peter’s question is so human, so relatable: “We’ve given up everything to follow you. What will we get?” It’s the question we all want to ask but feel guilty for thinking. Jesus doesn’t rebuke Peter for asking. Instead, He gives an answer so extravagant it’s almost hard to believe: a hundred times as much in return, plus eternal life.
But then Jesus adds something that should make us all pause: “Many who are the greatest now will be least important then, and those who seem least important now will be the greatest then.” The kingdom of heaven operates on a completely different value system than the world we live in.
Who are “the greatest” in our culture? The wealthy, the powerful, the influential, the famous, those with the most followers, the biggest platforms, the nicest homes. And who are “the least”? The poor, the overlooked, the marginalized, the servants, those society ignores or dismisses.
Jesus is saying that in eternity, these positions will be reversed. The world is upside down; heaven is right side up. This should radically change how we treat people—especially those our culture deems insignificant. It should also humble us when we’re tempted to think we’re better than anyone else.
The audacity to ever think we’re superior to another human being crumbles when we realize that the person we’re dismissing might be among the greatest in heaven. How we steward our lives isn’t just about our stuff—it’s about how we treat people, especially “the least of these.”
“Even though I have received such wonderful revelations from God. So to keep me from becoming proud, I was given a thorn in my flesh, a messenger from Satan to torment me and keep me from becoming proud. Three different times I begged the Lord to take it away. Each time he said, ‘My grace is all you need. My power works best in your weakness.’ So now I am glad to boast about my weaknesses, so that the power of Christ can work through me. That’s why I take pleasure in my weaknesses, and in the insults, hardships, persecutions, and troubles that I suffer for Christ. For when I am weak, then I am strong.”
Living generously—whether with our finances, our time, or our energy—is exhausting. Pouring out sacrificially leaves us depleted. And if we’re honest, there are moments when we want to cry out to God, “I’m tired of being tired! I’m tired of depending on You!”
But what we’re really saying in those moments is, “I want to be more self-reliant. I want my kids to behave better so I don’t have to depend on You. I want my finances to look different so I don’t have to trust You. I want this, I want this, I want this.” We’re tired of weakness because weakness requires dependence, and dependence feels vulnerable.
Yet Jesus says, “My power works best in your weakness.” This is the upside-down kingdom again. We think strength comes from having enough—enough money, enough energy, enough resources, enough control. But Jesus says true strength comes from recognizing we don’t have enough and depending entirely on Him.
This is why sacrificial giving is so spiritually powerful. When we give in a way that leaves us depleted, we’re forced to depend on God. When we volunteer even though we’re exhausted, we experience His strength in our weakness. When we give financially in a way that requires faith, we learn that He is our provider.
Jesus invites the tired and weary to come to Him for rest—not so we can hoard our energy, but so that in our restedness, we can pour out again. It’s a rhythm of dependence: give sacrificially, come to Jesus for rest, receive His strength, give again. This is what it means to store up treasure in heaven while living on earth.
Over these five days, you’ve explored what it means to store up treasure in heaven rather than on earth. You’ve been challenged to examine your attachments, your giving, your treatment of others, and your dependence on God.
Remember: this isn’t about earning salvation through generosity. Eternal life comes only through following Jesus. But how we steward what we’ve been given—our possessions, our time, our energy, our relationships—reveals where our heart is anchored.
Jesus isn’t asking you to give sacrificially to make you miserable. He’s inviting you to experience the joy and freedom that come from being detached from temporary things and attached to Him. He’s calling you to invest in treasure that will last forever.
Final Question: Based on what God has shown you this week, what is one specific way you will move toward generosity starting today?
Final Prayer:
Heavenly Father, thank You for these five days of wrestling with Your Word and Your call on my life. Forgive me for the ways I’ve acted like an owner instead of a steward. Forgive me for storing up treasure on earth instead of in heaven. Forgive me for giving from my surplus instead of sacrificially.
A weekly guide to carry the conversation beyond Sunday morning.
Icebreaker Question: What’s one possession or item you owned as a child that you thought was incredibly valuable at the time, but looking back now seems silly?
This helps the group ease into the topic of how we value possessions and sets a lighthearted tone before diving into deeper questions about generosity.
This week’s message challenged us to examine how we view our possessions, finances, and material stuff. The core truth is uncomfortable but liberating: nothing we have is actually ours—we’re simply stewards or managers of what God has entrusted to us. Jesus spoke directly and often about money and possessions, not to make us uncomfortable, but to free our hearts from attachment to temporary things so we can invest in eternal treasure.
Key Verse to Read Together: Matthew 6:19-21
Question: The sermon stated, “Everything that you have is not yours… We are not owners of what we have. We are stewards.” How does this perspective shift the way you think about your possessions and finances?
Context from Sermon: The pastor emphasized that we weren’t born with our stuff and we can’t take it with us when we die. This means we’re managers, not owners. The Greek word for treasure is “thesauros” (like thesaurus—a treasury of words), and Jesus calls us to “thesaurizo” (heap up) treasure in heaven, not on earth. Our challenge is to steward treasures entrusted to us with an eye on eternity.
Leader Tip: Give people time to wrestle with this. It’s countercultural. Some may feel defensive about what they’ve worked hard for. Acknowledge that tension while pointing back to Scripture.
Question: Jesus said, “Where your treasure is, there the desires of your heart will also be.” What does the way you currently give (time, money, resources) reveal about where your heart is anchored?
Context from Sermon: The pastor explained that “heart” in Jewish culture meant the center and seat of spiritual life—your thoughts, passions, appetites, and purpose. Out of the abundance of the heart, the person lives and gives. If you’re stingy at generosity, it means you’re stingy at anchoring your heart in heaven. The measure of your heart being anchored in heaven will reveal the type of giver you are.
Leader Tip: This is deeply personal. Consider having people journal silently for 2-3 minutes before sharing. Remind the group this is a safe space without judgment.
Question: In Matthew 19, Jesus told the rich young ruler to sell everything and give to the poor, then come follow Him. The man went away sad because he had many possessions. What are you attached to that might be keeping you from fully following Jesus?
Context from Sermon: The pastor noted that this young man had no problem keeping the commandments—not murdering, not committing adultery, honoring parents—but there’s always an attachment. Jesus addresses our attachments in every conversation. This man couldn’t see that what he had on earth could ever be outmatched in heaven. The ending wasn’t about selling stuff—it was “then come and follow me.” Following Jesus is what leads to eternal life; how we steward our stuff determines treasure stored in heaven.
Leader Tip: Attachments aren’t always financial—they can be relationships, comfort, control, reputation, or security. Help the group think broadly.
Question: When the disciples asked, “Then who in the world can be saved?” Jesus responded, “Humanly speaking, it is impossible. But with God everything is possible.” How does this truth give you hope when it comes to living generously?
Context from Sermon: The disciples were astounded by Jesus’ teaching that it’s very hard for a rich person to enter the kingdom of heaven. Jesus looked at them intently and said that salvation on our own measure, strength, or ability is impossible. But with God, everything is possible. In that statement, Jesus was subtly saying, “I am God, because the only way to the Father, the only way to eternity, the only way to heaven is by me.”
Leader Tip: This is an encouraging pivot point. We can’t do this on our own strength, but God empowers us. Invite testimonies of times when God provided or enabled generosity beyond what seemed possible.
Question: Jesus praised the poor widow who gave two small coins—everything she had—over the wealthy who gave large amounts from their surplus. How does this challenge our culture’s (and maybe your own) view of what makes a gift significant?
Context from Sermon: The pastor emphasized that our Heavenly Father is always about quality over quantity. The widow gave what seemed insignificant by worldly measures—like pennies cut in half—but Jesus said she gave more than all the others because she gave sacrificially, everything she had to live on. The wealthy gave a tiny part of their surplus without sacrifice. Sacrificial giving is not about the quantity; it’s about the quality of what you give. We should give in such a way that it stings.
Leader Tip: This may convict some and confuse others. Help the group understand that Jesus isn’t looking at dollar amounts but at the heart posture and sacrifice behind the gift.
Question: Jesus said, “Many who are the greatest now will be the least important then, and those who seem least important now will be the greatest then.” How should this truth affect the way we treat people, especially those society overlooks?
Context from Sermon: The pastor asked, “Who are the great ones these days and who are the least?” He noted it sounds judgmental to draft such a list, but we’re all doing it in real time. Jesus isn’t lying or stretching matters—there’s a kingdom reality that’s opposite of the world we live in. The world is upside down; heaven and eternity are right side up. The pastor was confronted with “the audacity to ever think that I’m better than anyone” and challenged how we steward not only our stuff but also our treatment of people.
Leader Tip: This can lead to powerful conversation about how we view and serve “the least of these”—the homeless, the marginalized, the annoying, the difficult. Challenge the group to name specific people or groups they tend to overlook.
Question: The GrowCard asked: “How does Jesus want you to move toward generosity?” What is one practical step you can take this week to grow in sacrificial giving?
Context from Sermon: The pastor encouraged people to get really practical: “I’m going to start giving today” or “I’m going to start giving more sacrificially today.” He acknowledged that many are afraid to start giving because their starting point seems insignificant, but that’s thinking by the world’s measures, not heaven’s. Whatever lie is keeping you from giving, don’t cave to it. There’s something divine and eternal at work in your heart when you give. Start somewhere, and eventually that starting place will be brought to sacrificial giving—because God gave sacrificially.
Leader Tip: Encourage specific, measurable commitments. This could be starting to tithe, increasing a percentage, giving to someone in need, or volunteering time sacrificially. Consider having people share their commitments for accountability.
Question: The pastor confessed, “I’m tired of being tired… and ultimately what I’m saying is I’m tired of depending on you.” When have you felt this way? How does Jesus’ promise that He is “made strong in our weakness” encourage you to keep giving sacrificially?
Context from Sermon: The pastor got vulnerable about times he’s had it out with Jesus, tired of the rhythm of pouring out and being exhausted. He realized he was ultimately saying, “I want to be more self-reliant.” But Jesus says, “In your weakness, that’s where I’m strong.” This connects to sacrificial giving in every area—finances, volunteering (like in Grow Kids), relationships. Jesus invites the tired and weary to come to Him for rest, so that in our restedness, we can pour out again.
Leader Tip: This vulnerability from the pastor gives permission for others to be honest. Create space for people to admit where they’re tired of depending on God. Pray specifically for those areas.
Reflection Question: If Jesus sat next to the giving box at Grow Point and watched you give, what would He say? Not about the amount, butabout the heart and sacrifice behind your giving?
Context from Sermon: The pastor posed this challenging question: “I wonder what Jesus would say if he sat next to the desk out in the narthex and just watched.” He imagined people dropping empty envelopes just because Jesus was there, but Jesus would know. The point isn’t to create guilt but to invite honest self-examination about whether we give out of comfort or sacrifice.
Leader Tip: Give people a moment of silence to honestly answer this question in their hearts before God. This isn’t about public confession but personal conviction.
Have each person complete this sentence (either out loud or written down):
“This week, I will move toward generosity by…”
Examples from the sermon:
Leader Tip: Consider having people text their commitment to one other person in the group for accountability. Follow up next week by asking how it went.
Prayer Focus Areas:
Suggested Closing Prayer:
“Heavenly Father, thank You that everything we have comes from You. Forgive us for acting like owners instead of stewards. Help us to loosen our grip on temporary treasures so we can take hold of Jesus with both hands. Give us courage to give sacrificially, even when it’s uncomfortable. Anchor our hearts in heaven. In our weakness, be our strength. Show each of us how to move toward generosity this week. We trust that with You, all things are possible. In Jesus’ name, Amen.”
A weekly practice you can do beyond Sunday morning.
Talk about money, possessions, and fear. Ask: “What does it look like to trust God instead of holding tight?”
A weekly practice you can do beyond Sunday morning.
Challenge: Give Until You Feel It
The Challenge: Give financially in a way that forces trust, not comfort.
This Is About Faith, Not Amount.
Concrete Action:
Rules: