What does Matthew 6:20 mean?
ESV: but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal.
NIV: But store up for yourselves treasures in heaven, where moths and vermin do not destroy, and where thieves do not break in and steal.
NASB: But store up for yourselves treasures in heaven, where neither moth nor rust destroys, and where thieves do not break in or steal;
CSB: But store up for yourselves treasures in heaven, where neither moth nor rust destroys, and where thieves don’t break in and steal.
NLT: Store your treasures in heaven, where moths and rust cannot destroy, and thieves do not break in and steal.
KJV: But lay up for yourselves treasures in heaven, where neither moth nor rust doth corrupt, and where thieves do not break through nor steal:
NKJV: but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal.
Verse Commentary:
Christ commanded His disciples and followers not to mindlessly stockpile material possessions (Matthew 6:19). Worldly goods can easily be lost to thieves and natural forces. Every treasure—here meaning money and objects—that can be stockpiled on earth is temporary. Having it comes with no guarantee of keeping it; it's not eternally reliable.

Now Jesus tells His followers to focus instead on stockpiling treasures in heaven. These rewards are eternal. They cannot be lost to moths, rust, thieves, or anything else. In financial terminology, they are a far better investment. Christ's meaning here is not that believers ought to have no possessions, or money, at all. The main theme of the Sermon on the Mount (Matthew 5:1–2), so far, has been the priority of motivations. Our hearts and our sincerity towards God matter most of all, so having wealth is not a problem until we start to prioritize it over godliness.

How did Jesus mean for His followers to store up rewards for themselves in heaven? He has spoken a few times in this Sermon on the Mount of acts God will reward. These have included being persecuted for Jesus' sake (Matthew 5:11–12); giving to the needy in secret (Matthew 6:4), praying in secret (Matthew 6:6) and fasting without calling attention to oneself (Matthew 6:18). In short, God rewards His people when they lead lives of sincere devotion and worship to Him.

Rewards from God are more than just experiencing His favor in a moment of this life. Jesus has in mind something other than being allowed into heaven, since salvation cannot be earned by "eternal treasures" (Titus 3:5; Romans 3:28; John 6:28–29). So, what are they? Scripture does not give us an explicit understanding. We know that there "are" rewards, but Scripture doesn't provide any meaningful explanation of what they are. Jesus likely meant His audience to presume that any eternal gift from God would be worth the investment of righteous living on earth.
Verse Context:
Matthew 6:19–24 contains Jesus' perspective on money and its place in the hearts of God's people. This flows directly from His teaching that inner thoughts and motivations are part of righteousness. God, and His will, are what matter, not the opinions of other people. Here, Jesus tells the crowds not to stockpile temporary treasure on earth. Rather, they should be working towards godly goals—''storing up'' rewards in heaven with choices driven by sincere devotion to God. Where we place our treasure indicates the real priority of our hearts. Those who live for worldly wealth live in inner darkness. Only one thing can be truly primary in a person's life. Each person must choose whether to serve God, or their own selfish interests.
Chapter Summary:
The Sermon on the Mount continues in chapter 6, which is entirely composed of the words of Christ. Jesus teaches that God rewards deeds motivated by sincere devotion to Him, not by approval from other people. He teaches a simple and authentic model prayer. Christ warns against stockpiling money and possessions on earth. Instead, believers should make choices that store up treasure in heaven. A person's top priority can either be God, or money, but cannot be both. Along with that, Jesus says believers should fight against anxiety about daily needs. The heavenly Father knows what we need. All we need to do is pursue His kingdom and righteousness; He will take care of our needs, one day at a time.
Chapter Context:
Chapter 5 began Matthew's telling of the Sermon on the Mount. In that passage, Jesus pointed out that thoughts and attitudes are part of righteousness, just as much as actions. In Chapter 6, He explains how good deeds are only righteous when done out of sincere devotion to God, rather than for other people's approval. He also provides a model for prayer. Jesus explains how excessive worry, such as over money, interferes with faith in God. Knowing that God loves us should lead believers to trust Him, not to be anxious. Chapter 6 is one of the few chapters of the New Testament entirely composed of the words of Christ. In chapter 7 Jesus will introduce additional themes such as appropriate judgment, trust in God, and treatment of others.
Book Summary:
The Gospel of Matthew clearly shows the influence of its writer's background, and his effort to reach a specific audience. Matthew was one of Jesus' twelve disciples, a Jewish man, and a former tax collector. This profession would have required literacy, and Matthew may have transcribed some of Jesus' words as they were spoken. This book is filled with references to the Old Testament, demonstrating to Israel that Jesus is the Promised One. Matthew also includes many references to coins, likely due to his former profession. Matthew records extensive accounts of Jesus' teaching, more than the other three Gospels.
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