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James 5, verses 1 through 6, and I want to read these opening six verses of this final chapter and set them in your mind for our study tonight. Beginning in verse 1: “Come now, ye rich men, weep and howl for your miseries that shall come upon you. Your riches are corrupted, and your garments are moth-eaten. Your gold and silver are rusted; and the rust of them shall be a witness against you and shall eat your flesh as it were fire. You have hoarded treasure together for the last days. Behold, the hire of the laborers who have reaped down your fields, which is of you kept back by fraud, cries out ; and the cries of them who have reaped are entered into the years of the Lord of Sabaoth. Ye have lived in pleasure on the earth, and been wanton; ye have nourished your hearts, as in a day of slaughter. Ye have condemned and killed the just; and he does not resist you.”

Now I want to be very frank with you tonight as your pastor. As I said this morning in mentioning that we would be discussing this passage, much of the truth that I see in this passage seems to be being lived out before our very eyes as we watch the PTL saga taking place. In fact, not just before our eyes, but the whole world has seen the love of riches and what it produces of wickedness on a far-reaching scale. We have been exposed to the opulence, the indulgence, the materialism; the myriad of houses, and cars, and boats, and furs, and jewelry, and secret bank accounts, and fraud, and sexual sins – everything that goes with the materialistic bent.

The Spirit of God could hardly have identified a more fitting text for us to study as these things are in our minds. The ugliness of what we have seen needs explanation, and the best way to understand it is from the Word of God. And so as we look at these verses probably tonight and next Sunday night, you’ll see them illustrated vividly in the scenario going on at this very time.

Now keep in mind that it is typical of James to be offering tests of living faith. All the way through this epistle as he writes to a group of Christians in a local assembly, Jewish Christians, he calls them to evaluate the validity of their faith, knowing that always where there is wheat, the devil over-sows tares; where there is the true, there will be the false; and wanting to be sure that no one is under any illusion about being a Christian when, in fact, they’re not. And so all the way through the epistle you have one test after another; and this is no different.

How a person feels about and handles wealth is a test. How you feel about money and possessions and material things is a test which reveals the spiritual state of your heart. And James here is obviously speaking to people who though on the outside they may affirm faith in Christ and love for God, obviously love money, and their life is totally controlled and governed by that love of money. And so their spiritual state is revealed in the matter of their relationship to riches.

By the way, James did not invent this test; James is merely echoing the test that our Lord originated. This is what our Lord said in Matthew 6:19 to 21, very familiar passage: “Lay not up for yourselves treasures upon earth where moth” – notice the similarity to James’ passage – “and rust corrupts, and where thieves break through and steal. But lay up for yourselves treasures in heaven, where neither moth nor rust corrupt, and where thieves do not break through nor steal;” – and then this – “for where your treasure is,” – what? – “there will your heart be also.” This is a test.

You want to tell me where your heart is, show me where your treasure is. Where are you stockpiling your treasure? Where are you placing your wealth? That’s the test that Jesus gave in the Sermon on the Mount.

In the sixteenth chapter of Luke we find another occasion in which our Lord basically did the same thing. Listen to this, Luke 16:11, “If therefore you have not been faithful in the unrighteous money, who will commit to your trust the true riches?” Do you think God will commit to you the realities of His eternal kingdom, which are the true riches, if you have not demonstrated a proper handling of money? Will God give you what is really valuable if you can’t handle what is not? “If you have not been faithful in that which is another man’s, who shall give you that which is your own?” If you can’t be faithful in the money that you manage as a stewardship from God, as it were, then why would God give you something of your own to possess with a spiritual nature?

And then He sums it up: “No servant can serve two masters: either he will hate the one, and love the other; or else he will hold to the one, and despise the other. You cannot serve God and money.” And the very next verse, “And the Pharisees also, who were covetous, heard all these things; and they derided Him.” They were religious, but the state of their heart was revealed in their covetousness. It is a test. How you feel about wealth is a spiritual test.

And so James here – back to James chapter 5 – is really reiterating a test that our Lord Himself established. And the passage in James is a strong, strong passage, the strongest in the epistle. It’s a passage of damning judgment against the wicked wealthy who profess Christian faith and profess Christian life, but whose real God is money. James then is building on the teaching of the Lord Jesus, as he often does. In fact, there are really many parallels in the epistle of James to the Sermon on the Mount. And we see a direct parallel here with chapter 6, verses 19 and 21, which I read to you a moment ago.

So he is calling on the wealthy to check the true state of their heart by how they’re dealing with their wealth. And in this section, he gives the most blistering, the most condemning, the most scathing diatribe and denunciation given in his epistle. It is against those wicked wealthy people who having been given the benefit of wealth, have perverted and corrupted it and themselves in the way they have handled it. They have prostituted the goodness of God who basically gives us the power to get wealth, as it says in Deuteronomy 8:18. They have prostituted the goodness and generosity and blessing of God, of whom it says the blessing of the Lord brings wealth, in Proverbs 10:22. So they have taken what God generously, graciously has given, and corrupted and perverted it.

Now let me say to you that wealth in itself is not sinful. I think you know that. It’s not sinful to possess money. It’s not sinful to possess the blessings that God would grant. It is a stewardship given by God to some. All of us have some wealth to manage; and it varies from person to person by God’s design. And God can bless us in different ways, giving some of us more and some of less than others. It’s not wrong to possess it, but obviously it’s wrong to misuse it. By the way, the more you have the greater, in many ways, is the potential for prostituting its proper use. When, however, your heart is perverted and the love of money controls you, then it leads, according to 1 Timothy 6:10, to all kinds of evil. And it even leads to judgment, judgment by God Himself.

So James is speaking then against the love of money that causes people to take that which is a blessing from God, pervert it for their own ends. They may say they’re Christians. They may belong to the church. They may go to the church. But James is saying you better take a look at what they do with their money, because as Jesus taught, it will reveal the state of their heart. If they serve money, they don’t serve God. If they’re laying up all their treasure in earth, that’s where their heart is. It’s that simple.

Now James sounds here just like an Old Testament prophet. In fact, you cannot study this passage without going back to the Old Testament. And I want to read them to you, several passages, so you get the flavor of what James is really saying; and it’s a very rich kind of heritage that James places himself in as he speaks, as it were, like an Old Testament prophet.

Listen to, for example, Isaiah chapter 3, verse 14. Isaiah says, “The Lord will enter into judgment with the ancients of His people, and their princes: ‘For you have eaten up the vineyard; the spoil of the poor is in your houses. What mean you that you beat My people to pieces, and grind the faces of the poor?’ says the Lord God of hosts.” “You have abused the poor” – He’s saying – “for your own purposes, and your own ends; and you have consumed everything in sight.”

Isaiah chapter 10: “Woe unto them who decree unrighteous decrees, who have grievances which they have prescribed; to turn aside the needy from justice, take away the right from the poor of My people, that widows may be their prey, and that they may rob the fatherless! And what will you do in the day of visitation, and in the desolation which shall come from far? To whom will you flee for help? And where will you leave your glory? Without Me they shall bow down unto the prisoners, and they shall fall unto the slain. For all this His anger is not turned away, but His hand is stretched out still.” Another strong denunciation of the ungodly for the way they have treated the poor and the misused God’s gift of wealth.

Nobody says it more directly than Amos. Amos the herdsman of Tekoa, chapter 4: “Hear this word, you cows of Bashan, you fat cows,” – as it were – “you’ve fattened yourselves up that are in the mountains of Samaria, who oppress the poor, who crush the needy, who say to their masters, ‘Bring and let us drink.’ The Lord God hath sworn by His holiness, that, lo, the day shall come upon you, that He will take you away with hooks, and your posterity with fishhooks. And you shall go out at the breeches, every cow at that which is before her; and you shall cast them into the palace,” saith the Lord. A time of devastating destruction.

In the eighth chapter of Amos, and verse 4, and this is very powerful, “Hear this, O you that swallow up the needy, even to make the poor of the land to fall,” – or fail – “saying, ‘When will the new moon be gone, that we may sell grain?’ – in other words, “Let’s get this religious holiday over so we can get back to business; we’re losing money.” – ‘and the sabbath, that we may set forth wheat, making the ephah small, and the shekel great, and falsifying the balances by deceit?’ – in other words, putting less in an ephah, which is a measure of weight than supposedly was to be there, and charging them more; paying more, but getting less; falsifying the balances, deceit. They hated the feasts, because it ground business to a halt – ‘saying that we may buy the poor for silver, and the needy for a pair of shoes, yea, and sell the refuse of the wheat.’

“The Lord has sworn by the excellency of Jacob, ‘Surely I will never forget any of your works.’ Shall not the land tremble for this, and everyone mourn that dwells in it? And it shall rise up wholly like the river; and be cast out and drown, as by the river of Egypt. ‘It’ll come to pass in that day,’ says the Lord God, ‘that I will cause the sun to go down at noon, I will darken the earth in the clear day, I will turn your feasts into mourning, and all your songs into lamentation. I will bring up sackcloth upon all loins, and baldness on every head. I will make it like mourning for an only son, and the end of it like a bitter day.” This is just the prophetic denunciation against the wicked wealthy, and this is where James gets his heritage in terms of how he handles them in his epistle.

I could read you Micah chapter 2, verses 1 to 5; very, very much the same. I could read you Malachi chapter 3, verses 1 to 5, another diatribe against the wicked wealthy. And James sounds exactly like that. His Jewish roots really come through in this particular portion.

Now just to note, so that you’ll identify the direction of his text here, he is speaking and writing to the congregation of the church, those who are assembled in the name of Christ. Some of them, obviously, claiming to be Christians weren’t, and that’s why you have this series of tests, just as you do in 1 John. Some of them by their use of and abuse of wealth and money and material things showed utter disregard for God, utter disregard for His Word, and demonstrated that in spite of their claim they did not possess salvation.

And I don’t believe there’s any way to equivocate on who he’s speaking to here. Some have wanted to say he’s not talking to people in the church. Then why would he talk to them in the second person, and why would he be speaking to people who aren’t there to hear or reading to people who aren’t there to listen? The fact that he addresses them in the second person means that he has those in mind who will hear the letter, who had attached themselves to the church in some way. It would be pointless for him to be giving this kind of message to outsiders. Maybe if it was in the third person and he said, “You tell them what I want them to know.” But this direct approach assumes their presence and that they would be in the sound of the hearing of this letter when it was read to the whole church. These are people who, to some degree or other, want to be identified with God, to some degree or other want to have Christ in their life. But they don’t come on God’s terms.

Jesus also faced the reality that this would be the case. Do you remember in the parable of the soils in Matthew 13 how He talked about a certain kind of soil that was rocky? On the top it was soft and fertile; but down a little ways into it, just below where the plow pulled its way through the dirt there was rock bed. And He said when the seed goes into there its roots go down, and they begin to flourish and the plant comes up. But pretty soon the roots can’t penetrate; they hit rock, they can’t go down to get water. When the sun comes out it burns the plant and it dies. Jesus describes those kinds of people as those who hear the Word, receive it with joy for a little while; but when there’s a price to pay, when they have to give up something, when they have to suffer for Christ, they don’t want that, they leave.

Then He talked about a weedy soil, where the ground is still full of the roots of weeds. And though the good plant appears to come up, the weeds choke it out. And this is what He says of that: “He that received seed among the weeds is the one who hears the Word, and the care of this age,” – listen to this – “and the deceitfulness of riches choke the Word, and he becomes unfruitful.” There are people who hear the Word, they want to identify with the church, they may want what salvation promises; but they’re too deceived by riches, and too in love with the world, and too unwilling to sacrifice to let go. And while they may outwardly name the name of Christ, if their heart is not toward God and their heart is not toward heaven, as indicated by where their treasure is, then no matter what their claim, they don’t know the Lord.

It’s like that parable of the pearl of great price and the treasure in a field, in both cases the man who wanted to buy the treasure and the man who wanted to buy the pearl sold all that he had to buy it. These are people who don’t want to give up anything. They want their materialism, their wealth, their wickedness, and Jesus on top. And in Matthew 19, Jesus wouldn’t tolerate that with the rich young ruler. He said, “Sell everything you have, give the money to the poor, and come and follow Me.” And the man was very rich, and went away. He loved his riches more than Christ.

I would venture to say that it’s a sad thing; but today we have given a lot of people the illusion that they’re Christians, because they talk a lot about Jesus; but if you look at their lifestyle, you’re going to see that they betray that their real God is money and wealth. And may I go so far as to say some of them may be TV evangelists. And if you get behind the scenes of all the Jesus talk and start to see where they put their treasure, you’re going to find out where their heart is. They love money. These people love possessions. Their treasure is on the earth, and that’s where their heart is. And they serve money, and so they can’t serve God.

Back to James 4:4, “Don’t you know that friendship with the world is enmity with God? And whosoever therefore would be the friend of the world is the enemy of God.” If you’re into everything the world has to offer, you show your colors. John said, “Love not the world, neither the things that are in the world. If any man love the world, the love of the Father is not in him,” 1 John 2:15.

So the denunciation is directed at the rich fakers in the church, who want to name the name of Jesus, but whose real God is money. And the church needs to speak to that, beloved. We can’t allow people to live under the illusion that they’re Christians and that Jesus talk is sufficient, when one look at their life shows they are absolutely consumed with the love of money.

Now at the same time you say, “Is this directed just to those people?” And I say no. It also speaks to my heart, and it speaks to your heart too as Christians, because it reminds us of the sins of the fakers that we ought to avoid. It reminds us that we don’t want to be anything like these people who outwardly name the name of Christ. As one writer says, “He shows us the pit so none of us will fall into it.” It’s a strong warning of judgment against the wicked wealthy who are identified with the church, but whose hearts are toward their money, and whose God is their money, and whose life surrounds their own personal comfort and indulgence. But it’s also a great statement to those who are true believers to be sure we avoid the sins that characterize these people.

Now let’s begin with the pronouncement that comes in verse 1, and it is a strong announcement of judgment: “Come now, you rich men, weep and howl for your miseries that shall come upon you.” Now with that call for the wicked wealthy to respond appropriately, James begins his denunciation. He is saying, “Inescapable doom is coming, and you ought to have the reaction of weeping and howling.”

The words “come now” you’ll note are also back in verse 13 of chapter 4; he uses that little phrase twice. Here it introduces a new group, there it introduced the kind of people who just lived their life without a thought for God. Here it introduces the wicked wealthy. It could be translated “now listen,” or “get this,” or “see here.” It’s calling their attention. It’s an attack in an Old Testament prophetic style. He calls them to stick up their ears and listen. And so he says, “Come now, you rich men,” and that’s the group he’s attacking. That’s the group he’s denouncing, the materially wealthy who are wickedly wealthy.

Now do you remember who are the wealthy of the world? Do you remember when we defined that in our study of 1 Timothy? And we said that anybody is rich who has more than he – what? – needs. If you have what you need, you have no discretion with your money; you have to use it all to survive. But if you have any discretionary money, you’re in the category of the rich.

So who are the wealthy? Those people who have more than they need to live. But who are the wicked wealthy to whom James speaks? They are the ones who misuse and utterly abuse the stewardship of that discretionary money. And so he’s directing his attention to those whose lives are a continual abuse of their resources.

Notice what he tells them to do. “Weep and howl,” two very interesting words. “Weep,” klausate, means “to sob out loud,” it’s not a silent crying. It means “to sob out loud.” It means “to weep in a lamenting way.” In fact, it is used for the wailing for the dead. You’ll see it in the seventh chapter of Luke, verses 13 and 32, and pointedly you’ll see it in John 11 in the wailing, weeping at the tomb of Lazarus. It was used for those sort of public wailings that went on at the time of a death.

It is also used for the weeping and the wailing out loud that comes as a result of shame and regret. We see it so used in Luke 7:38 and Matthew 26:75. So it speaks of a verbal, vocal, loud, lamenting, wailing kind of sorrow, strong emotional outbursts as people see the inescapable damning judgment of hell facing them; that’s the idea. Boy, now that you can see what you’re really looking at, you better cry out loud, weep, and lament.

By the way, the same word is used back in chapter 4, verse 9 where it says, “Be afflicted, mourn, and weep.” There it is the sorrow of repentance. But here there is no call for repentance, and so another word is added here. With repentance there is a loud lamenting; and John earlier shared with me his testimony, that when he begins to think about his sin he cries out to God about that.

There is a lament, I think, in the heart of anyone who faces God and confesses sin. But it ends at that point, because where there is the lament of repentance there is the grace of forgiveness. But where there is the lament here, there is no grace, and so the lament goes to a howl. It goes beyond that, ololyzontes, an almost onomatopoetic word in the Greek. It means “to shriek,” or “to scream,” or “to howl out loud” beyond just lamenting – screaming, shrieking, shrill voice. It intensifies the outburst of despair; violent, uncontrollable grief.

There are examples of this particularly in the Old Testament. The grief and the crying out and the howling of those who realize that they have committed the worst imaginable, the worst conceivable sins. You find it in the prophets. And in the present tense here, both of these verbs are saying, “Keep on lamenting; keep on screeching, shrieking, howling over your impending damnation.” Very, very strong words.

So James calls for a frantic response of overwhelming grief. Why? Look at verse 1 again. “Because,” – or for – “your miseries that shall come upon you.” That word “miseries” used only here and Romans 3:16 has to do with wretchedness. It has to do with trouble beyond trouble, overwhelming trouble, overwhelming suffering, overwhelming distress. “And it’s your miseries,” – he’s personalizes it – “the miseries that are coming specifically on you.” It’s not generic. He’s not saying, “Collectively all of you should howl, because collectively you’re all going to suffer.” He’s saying, “You individually ought to howl, because you’re individually going to suffer misery.” He doesn’t tell us when it’s coming, but we know when it’s coming, it’s coming at the coming of Christ. It’s coming when they meet God. Judgment is inevitable. That’s the cry here: judgment on the wicked wealthy.

In Luke – and I do want to cover a couple of other passages because it’s so very important that you understand the whole picture of what Scripture teaches. And you know I like to do this, because it fills up our thinking. You remember the story of the rich man and Lazarus? There was a certain rich man who was clothed in purple and fine linen, and fared sumptuously every day. You remember that man? He had it all in this world. And it says, “He died and was buried,” – in verse 23 – “and in hades he lifted up his eyes being in torment.” Very vivid, he’s in the burning, tormenting flame of a godless Christ-rejecting eternity. And Jesus pointed that out to the people when He gave that story of that rich man. I don’t think it was a parable, because people don’t have proper names in parables, and the beggar had the name of Lazarus. So here was a rich man who ended up in the burning fury of hades, because he had lived all his life for his wealth.

Back in Luke chapter 6, and verse 24, “Woe unto you that are rich, for you have received your consolation. Woe unto you that are full, for you will hunger. Woe unto you that laugh now, for you will mourn and weep.” What statements, what fearful statements. I remember what Peter said to Simon in Acts 8: “Your money perish with you.” If you live for money, you die, you perish; and may your money perish along with you.

So in the Old Testament, from the lips of our Lord and here from James, pronouncements of judgment on the wicked wealthy. But why? What is it that these people did that brings about this punishment? Let’s look at the first of the four characteristics of the wicked wealthy that result in their judgment, and you just see how pertinent this first point is.

They will be damned, because, number one, their wealth was – get this – uselessly hoarded. Did you get that? Uselessly hoarded, verses 2 and 3. This is a damning thing. “Your riches are corrupted, your garments are motheaten, your gold and silver are rusted; and the rust of them shall be a witness against you, and shall eat your flesh as it were fire. You have hoarded wealth for the last days,” or in the last days, better translation.

The sin is mentioned at the end of verse 3: “You have hoarded it. You have” – the verb is the verb from which we get the word “thesaurus.” “You have heaped up your hoarded treasure. You have stockpiled your wealth.” You say, “Is that wrong?” “Yes, because it’s to the exclusion of its proper use. You have uselessly piled it up.”

Boy, that’s a tragic sin of our own time. Obviously when God prospers you and me and gives us more than we need, He does it that we might use it properly for His glory and to the advance of His kingdom. My approach to life says that I want to go out of this world just at the time my money runs out. And I want to make sure that I’m not hoarding up against some nebulous tomorrow that may never come when God is calling for the proper investment of all that I have into His eternal kingdom right now.

Obviously God provides for us so that we might provide for our families. And he that doesn’t do that, 1 Timothy 5 says, is worse than an unbeliever. We are to take care of our family, of those in the extended family, of those bereft and widowed women who are known to us. Beyond that, every other part of the money that God has given us and the wealth He has given us is to be used somehow for His glory.

Scripture tells us that some of it is to be devoted to His service. In the Old Testament they gave it to the temple. They gave it even to the building of the tabernacle. They gave to God regularly what God desired from them – some tithes, which they had to give; and many, many freewill offerings which they gave out of the willingness of their heart. It is to be devoted to His service.

Jesus said, Luke 6:38, “Give, and it shall be given unto you. Pressed down, shaken together, and running over shall men give into your bosom.” The apostle Paul wrote and said, “The first day of the week, let each one of you lay by him and store as God has prospered him.” So our wealth is to be given to the kingdom. It is to be given to the expansion of the kingdom, to the extension of the kingdom, not as a legalistic enterprise, but because our hearts are so consumed with the mission of the kingdom, and with the love of the Lord who is the King.

Thirdly, not only is it to be used on the family God has given us and devoted to the service of the kingdom; but, thirdly, it is to be used to win the lost. I can’t think of anything better to do with money than to invest it in those who win the lost.

In Luke 16 in a very, very direct statement regarding the use of money, Jesus said, “Make to yourselves friends by means of the money of unrighteousness, that when it fails they may receive you into everlasting habitation.” In other words, “Use your money to make friends who will greet you in heaven when you get there. Use your money to win people to Christ, what else.” Uselessly hoarding it violates God’s intention.

Fourthly, the Scripture says use your money to care for the needy. I read you those passages in the Old Testament. In every one of the prophetic diatribes against the wicked are basically because they defrauded the poor and the needy and the fatherless and the widow, and they held back from those in need; and John says in 1 John 3, that if you close up your compassion to that kind of person then you tell me how the love of God dwells in you, if you hoard your money rather than give it to those in need. Even the apostle Paul in Galatians 2 spoke so directly about how important it was to remember the poor, and said, “I also was diligent to do that.”

Providing for your family, devoting it to the service of the kingdom, using it to win the lost, caring for those in need, and then a fifth we could add: support people who minister. “The servant is worthy of his hire.” “Feed the ox that treads out the grain.” In other words, support the ministry.

You have been given wealth by God, use it for the care of the people God has given you. Use it to devote to His service. Use it to win the lost. Use it to care for those in need. Use it to support those in ministry. But don’t hoard it. And if it has been your characteristic to hoard it all uselessly, then, says James, you’ll be damned for such and evidence of the fact that your heart is set on earthly things and your God is money, not the true God. There’s no place for saying you’re a believer, you’re a true child of God, you’re a lover of Christ, a servant of God, and then amassing a fortune, uselessly stashed away without regard for God’s Word at all.

Now James depicts this kind of hoarding; look at the way he depicts it. He mentions, first of all, riches corrupted; secondly, garments motheaten; thirdly, gold and silver rusted. Now apart from land and houses – and we’ll just cover this briefly so stay with me – apart from land and houses, wealth really was involved with those three things. First, the riches generally refer to food – grain, wheat, barley, perhaps even some meat that would be stored – that was susceptible to decay. The term “decay,” I think, gives us the latitude to translate the word “riches,” or at least to see that it has the sense of food, that which can easily decay.

People put their wealth in stockpiling grain, like the rich fool whose barns were full. He said, “Pull them down, build greater barns, store it all there. Eat, drink, and be merry.” In other words, “I’ll live out my life, I’ll never work again, I’ve got it all stashed forever.” And that is the evidence of an unregenerate heart: laziness. “I’ve got it all piled up.” And, of course, that was typical in that day: “Stock up your grain and live off it the rest of your life. Amass as much as you can for yourself,” uselessly hoarding it. And they did that with grain, stockpiling it.

The word “riches,” by the way, is the word ploutos, and the word comes from the name of one of the ancient Greek gods of mythology. His name Ploutos means “the abundant yielding of the earth.” So that’s really what that word means. And by the way, he was said in Greek mythology to be the son of Demeter, the goddess of the earth. So the word ploutos then has a connection through Greek mythology with what the earth produces; and thereby we also can conclude that it can be used to refer to the food, vegetables, grain and perhaps even meat that are stored up as a result of the products of the earth.

But James says they are rotted, sesēpen, they are corrupted. The noun form of that verb is used for a putrefying sore and speaks of corrupting decay. So he says, “All your hoarded grain is rotted.” And the picture here is not of a judgment, but of a reality: “You can’t keep it, it’ll rot. You can’t stockpile it, it’ll decay. Your hoarding is so useless, because in the end it’s going to be no good to anybody.”

Then, secondly, rich people put their money and their fortune into garments. And he uses the word “garment” here, himatia. It means the loose, long, outer robe, they would put rich embroidery and jewelry. Those robes were passed on as heirlooms; and you could literally have a fortune in your garments. And, of course, when those garments were folded and stacked somewhere, as you well know, the larva of moth could ruin them, ruin them. And garments as our Lord even talked about could be motheaten. And so if you’re stockpiling your treasure in grain and that, it’s going to get rotted, given enough time. If you stockpile it in garments, they’re going to be motheaten, given enough time.

And then, thirdly, “Your gold and silver have rusted, corroded.” Obviously, the coinage of that day of which James refers is like the coinage of which our Lord referred in Matthew 6, where He said, “Lay up your treasure in heaven where moth and rust do not corrupt.” The implication is – and we have some research to back it up – that coins in those days were not pure silver or pure gold, but mixed with an alloy tended, given the right circumstances, to rust, indeed. And James says money stashed somewhere over the long period of time, buried in the ground, may itself rust. And then what do you have? Then what do you have? Nothing.

James’ point is so basic. How sinful, how foolish, how stupid to hoard money, to hoard clothing, to hoard food, when it all rots. And even if it remains, you won’t. And if that’s the way you’ve lived your life, then the question is whether you worship God at all.

An unfortunate miser was distressed about his unfortune. And according to the story, he said, “What an unfortunate wretch I am,” to one of his neighbors. “Last night someone took away my treasure which I had buried in my garden, and they placed a stone in its place,” to which the neighbor replied, “But you never used your treasure. So, my friend, simply bring yourself to believe that the stone is still your treasure, and you are none the poorer.” Wisdom. If all its going to do is rot, why worry about it?

We hoard so many things: stocks, bonds, savings account, gold, silver, jewelry, possessions. I’d like to see what would happen some Sunday if everybody brought their jewelry and dumped it down here, all the silver and the gold, and we melted it down; we might buy half of Panorama City. I don’t know, that’s how they built the tabernacle. Where is your treasure? Where is it invested? Where are you piling it up? We hoard so many things.

A little lady called me some weeks ago and she said, “I’m bringing you all my stock. I want to give it all to the Lord.” And she came in and unrolled all these little stocks, and took off rubber bands and out of envelopes; and she went away blessed, because now it was all in the Lord’s hands. And she called me the other day and she said, “I know you’re taking good care of it, aren’t you?” She said, “I wouldn’t give it to anybody but you.” And I am responsible to take good care of it, and use it for the advancement of the kingdom. That’s wonderful.

I don’t want you to be irresponsible about your life; but I want you to know that you can’t hoard it. Somebody said, “If money talks, all it ever says to me is goodbye.” And there’s no question, but that that is true. So before it can say goodbye, why don’t you use it for the glory of God.

Well, from there he talks about the judgment on them. Just quickly, verse 3, “The rust itself,” – and now he’s sort of personalizes the rust; he makes it come alive – “and the rust is a witness against you when you face God. Your rust will rise up and testify to your ungodliness. It’ll testify to your hoarding. It’ll testify to your stockpiling.”

And the ruin of the things the rich hoarded is a graphic picture of their own ruin. Their hoarded, rotted, motheaten, rusted riches give loud testimony to the state of their heart. The rotting, corroded riches that are hoarded become the witness at the divine court, to bring unarguable evidence for their eternal damnation. Their covetous, selfish, compassionless, earthbound approach to life becomes in itself their condemnation. All that hoarded wealth is witness for the prosecution declaring their guilt, and the just God to condemn them to hell.

And then the rust is personalized not only to be a witness, but the rust becomes the executioner, and he says, “It’ll eat your flesh as it were fire.” And he personalizes the rust into fire; and the rust which, first of all, was the decaying element, then personalized becomes the witness, and then personalized becomes the executioner. Rust moves slow. But this rust acts like fire; and fire is the fastest consumer of all. Corrosion may be slow, but fire is the fastest destroyer.

“In the day of judgment, the rust of your hoarded goods will rise up to testify against you and become the fire that burns you fleshes,” plural. Very interesting that James uses the plural, because he’s not talking about a group, he’s talking about individuals again. “Each one of your flesh will burn as your own riches rise up to be your executioner.”

By the way, that’s a reminder that hell is a physical place. Your fleshes will burn there. That is a physical place. There is real burning there. There is a fire that is not quenched, and you will have, according to John 5, a resurrected body suited to bear the punishment of an eternal hell, and feel the flame forever, and never be consumed. That hell is reserved for people who hoarded their treasure. Hell is for hoarders of treasure.

And he closes by saying, “You have hoarded wealth, no kingdom investment, uselessly stockpiling your goods, rotting away without regard for God, for Christ, for others; and you’re headed for hell, and that’ll be a witness against you.” And then he adds this final note: “And you’ve done it in these last days,” the Greek text says. “You’ve done it in these last days.” In other words, “You lived without regard for redemptive history. You did it in the Messianic period.” These last days are from the first coming of Christ to His second coming. John says, “My little children, it is the last time.”

We’re in the last days. Christ has appeared once in the end of the age. This is the last time. “And so what you’ve done is hoarded your wealth in the last days with no regard for God’s clock, no regard for redemptive history, no regard for eternity, totally wasted your life and all your resources.” How bizarre. How utterly unthinkable, amassing wealth in a day when the world is perishing.

I’ll tell you something: if people who represent Jesus Christ really work were concerned about lost people going to hell and really were concerned about reaching the world for Jesus Christ, they would not be buying half a dozen homes, having millions of dollars in bank accounts, spending millions of dollars on cars and other personal items, and spending a fortune to pad their own seat. That’s a dead giveaway as to where somebody’s heart is. I don’t care who they say they represent, there’s a betrayal of what’s really in the heart.

There is no way you can affirm the salvation of a person like that. Now God knows, I don’t know that; but I certainly stand and say they don’t seem to pass the test, they, who in the name of Jesus Christ, who claim to want to reach a world, but busy themselves amassing a fortune illegitimately for themselves. That’s absolutely inconsistent with any commitment to be consumed to win a lost world to the Savior. To have the heart of Jesus is to reach out with what you have to people who don’t have what they need, not to consume things on your own lust.

The only acceptable way to live in the light of the second coming of Christ in these last days of redemptive history is to live holding very loosely the wealth that God gives you, and to make sure you’re using it for His glory. If you’ve been living an illusion about your Christianity, but when you self-examine a little bit you see your real God is money, then bow the knee to Jesus before it’s too late. And if as a Christian you find yourself infringing in this area of sin, ask God’s Spirit to root it out of your life, loosen your grip on the things of this world, and give you the heart of the prophet who sees all things to be used for the glory of God, and anything hoarded is rotted.

God gives us new things every day. He wouldn’t let them take manna for more than one day. The ground replenishes our food every season. We don’t need to hoard against the unknown future, we need to invest in the eternal kingdom with the promise that God will never allow His people to want if they’re faithful to Him. Let’s bow in prayer.

Father, we thank You for our time tonight. It’s been a wonderful and rich time, and we bless You for giving it to us. We thank You for the songs and the testimonies of this hour, and we pray that You’ll confirm to our heart these things that are from Your Spirit, for Jesus’ sake. Amen.


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Unleashing God’s Truth, One Verse at a Time
Since 1969


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