WEBVTT

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 So, as we begin this section of God's Word, where Jesus is talking about our relationship

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! And as we go through, let's ask the question, how is our relationship with money? Maybe some of you

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! have heard the classic radio sketch of Jack Benny, picture a highwayman with a stick-up asking the

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 question your money or your life. Cue the long pause. The highwayman returns, well, what's your answer?

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 Jack Benny says, I'm thinking, I'm thinking. For some of us, we have a really healthy relationship

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 with money. And when we see that kind of person, it's really encouraging to see the person who

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 provides well for their family, those who give generously to meet the needs of others, those who,

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 if they're involved in a church, support the church. It's a really healthy thing, and it's a good thing

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 for us to see. But for many of us, I imagine our relationship with money is a bit more tricky,

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 a bit more complicated. Maybe that's because of the cost of living and the worry that we have about

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 having enough to keep us going through the month. And maybe it's the complexity of the cost of providing

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 for parents, providing for children, and maybe for adult children, thinking about how do I provide

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 for elderly parents? Maybe it's about thinking through all the issues of retirement.

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 Our challenge with money, though, may be because of the pool of consumption.

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 It may be the appeal of the credit card in our pocket that's getting us into trouble.

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 Now, money we might find is the subject of our daydreams, but it may also be that subject that wakes us up

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 in the middle of the night with a cold sweat. There are so many questions about money.

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 How much should I give? How much should I save? How much should I spend? How will I meet all my

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 outgoings?

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 And as Jesus comes to this section of the Sermon on the Mount, He wants you and I to have a healthy

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 relationship with money. So, He's sitting on this mountainside, and He knows human hearts,

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 and He knows that money has a unique magnetic pool on our hearts. He knows that money is the most likely

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 counterfeit God, the most likely idol we're going to choose. We're going to look for happiness, hope,

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 and security. We're going to look to money for that rather than to our God. Here is Jesus. He's the

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 king, and He's teaching about His kingdom, but at the same time, He understands that money is the great

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 rival. Because money, when we stop to think about it, it claims or it wants to claim our loyalty,

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 to grab our attention, even to capture our hearts. So, Jesus has just been speaking about the most

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 important relationship there. Our relationship with God as Father, the wonderful privilege that we can

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 know God as Father through trusting in Jesus. But next, He turns to another important relationship,

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 this relationship we have with our money. You can see in the text, we've got treasure at the beginning,

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 we've got money at the end. That's what ties this whole section together.

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 And we're going to think about it in terms of Jesus giving us three tests.

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 The test of what do I love, as He thinks about treasure. The test of what do I trust in,

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 as He speaks about the eye being like a lamp. And the test of what do I obey,

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 as He speaks about these alternative masters. So, let's jump into our text, and let's think about

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 this first test, what do you and I love most. Maybe some of you saw in the news this week the story of

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 three young women all talking about their shopping addiction, having racked up massive debts through

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 multiple credit cards, all looking to escape reality through spending, and all asking the NHS to put

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 resources into helping with that particular addiction. Sad stories, but maybe familiar stories.

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 It's so easy as people for us to give our hearts to money and to the stuff that money can buy.

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 It's so easy for us to believe the messaging of advertising and social media campaigns,

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 but it's also really easy to find ourselves still empty and dissatisfied. And Jesus' teaching really

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 matters because He's inviting us to choose the right treasure to live for. He's presenting two

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 alternatives, you know, treasure on earth, treasure in heaven, but He says only one is good for your heart,

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 only one is good for your soul. So, He begins, do not store up for yourselves treasures on earth.

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 Why not? Well, Jesus says, well, it's because it can be destroyed, or it can very easily disappear.

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 If it's not moth, or rust, or rats, or a robber, and maybe you've been the victim of cybercrime.

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 Some people had, you know, huge damage because of the storm at the beginning of the week.

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 Maybe you've invested everything in technology knowing full well that it's going to become obsolete.

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 Now, we know, don't we, that over time, everything that we buy is subject to wear and tear. It moves

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 out of fashion. We eventually have no use for the things that we give ourselves to.

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 And we just started reading as a family, the animals of farthing wood. I don't know how many of you know that

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 classic story, but it's basically the story of some animals having to flee farthing wood because developers

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 are coming to knock it down. And you understand that the limited wisdom of the animals, they know,

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 well, you don't build your home or your nest in a wood that's going to be destroyed.

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 But sometimes as people, we can give ourselves, we can build our nest, and what we ultimately know

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 will be destroyed and we can't take with us when we die. And that's why Jesus says,

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 don't store up treasure on earth, but, verse 20, store up for yourselves treasures in heaven.

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 The right investment, Jesus is saying, is to invest in the kingdom of God.

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 And when we hear that, that sounds kind of vague, I guess. What does it look like to invest in the

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 kingdom of God? But let's tie it to the one who is speaking. Let's tie it to the king.

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 And then we begin to understand that Jesus is saying real treasure is about knowing Jesus.

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 And especially as we remember that as we know Jesus, we get to know God as our Father in heaven.

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 This is where treasure is according to Jesus. I know God is my Father. I can pray to Him. I know His love

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 and His care. This is what is real value. I know that Jesus went to the cross to take away my sin and to

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 give me new life. So, He's my Savior. He's also my Lord. He's also my brother. He's also my friend.

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 Jesus says, this is treasure, knowing that God comes to live in you by the Spirit. So, you are

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 never alone. You always have His power and you always have His hope. So, Jesus is offering, the

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 Bible offers us a treasure that is eternal. It doesn't fade. Its value never decreases. You will

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 never find yourself wanting to replace it, needing to replace it with the next thing.

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 So, Jesus says, not this, but this. And why does it matter? Look at verse 21,

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 for where your treasure is, there your heart will be also.

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 And we understand this to be true, don't we? Your heart will follow what you treasure,

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 what you love the most. The Bible, when it talks about the heart, it's as if it's talking about the

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 control center of us, the real us. And so, Jesus is inviting us to recognize that what we treasure most

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 will affect what we think about. It will direct our priorities. It will influence our decision-making,

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 and it will direct our loves.

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 And so, here is Jesus, the King, bringing in the kingdom of God, the one who knows our hearts,

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 and He speaks to all of us, and He says, don't choose the wrong treasure.

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 If we go back to the world of shops and shopping, you've probably had the experience of going to buy

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 something and the price tag is wrong, or the little label on the shelf has been wrongly attached. And so,

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 the object has the wrong value placed on it. That's a mild inconvenience in the world of shopping. But

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 it's a big problem when we do that, thinking money is what deserves ultimate value in our lives.

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 And that's really the idea of idolatry that runs through the Bible. I'm going to imagine that this

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 thing, money and the stuff that it can buy, is what will give me security and hope and happiness and

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 love. And when we do that, if we imagine money is everything, it's going to kind of play itself out

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 in how we plan our next purchases. It's going to influence how we plot out our five-year plans.

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 Because all the while, we're going to be driven by what I can get and how I can receive more money

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 so I can spend more money. I need this to be satisfied. And if you find yourself on that cycle,

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 and I imagine many of us have, ask yourself, that thing that you invested so much hope in,

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 did it deliver? Can those things deliver? Of course, that's not to say that money doesn't

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 give us some joy. Of course, it does. It is a gift from God, but it is not in itself God.

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 It doesn't give lasting satisfaction. It was never designed to. It cannot deal with the emptiness in

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 our heart. It does not solve the problem of our gift, and it cannot give us eternal life.

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 And so Jesus says, don't choose the wrong treasure. Rather, discover in me real treasure.

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 So Jesus makes the same bold claims as money does. Look to me for help and happiness and hope.

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 But the difference is Jesus will always deliver. By his death and through his resurrection,

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 Jesus has the authority to give to us eternal life. He has established an everlasting kingdom.

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 And so the treasure that he offers is life with God that never ends. And when we understand that,

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 it changes everything, including our attitude to money. Maybe the best example of this in the Bible

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 was the guy called Zacchaeus. So we meet Zacchaeus, someone who'd been stealing from others. He'd been

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 stockpiling his wealth, profoundly selfish, isolated from all his friends and family because of his love

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 of money. But he finds himself up a tree longing to see Jesus. And then Jesus comes by, and remarkably,

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 Jesus extends a welcome to Zacchaeus and offers him grace. And in meeting Jesus, though he doesn't deserve it,

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 Zacchaeus is forgiven. And he is loved and he's made a child of God. And the moment that that happens,

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 the grip of money on his heart is broken. He becomes radically generous because he has discovered

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 someone more worthy of his heart. He's discovered a greater love. He's discovered that knowing Jesus

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 changes everything that includes our relationship with money. What do you and I love? And what do

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 we love most? The second test is this, what do you and I trust? Verse 22, the eye is the lamp of the body.

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 If your eyes are healthy, your whole body will be full of light. But if your eyes are unhealthy,

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 your whole body will be full of darkness. So in the ancient world, the picture of a lamp,

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 it was a picture for direction and instruction. So there's a psalm, your word is a lamp for my feet

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 and a light for my path. Think about it today, perhaps, in a storm. You know, a sailor out in stormy

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 sea will be instructed and directed by a lighthouse, by the lamp of the lighthouse. Here's the rocky coast

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 to avoid. Or the pilot coming into Edinburgh airport is directed by the landing lights. You follow the right

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 lamp and you have a good outcome. And so Jesus has this idea that our eyes can be like lamps, they can be good

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 or they can be bad. The outcome can be light or darkness in our lives. Think about it in terms of this,

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 that you and I, we can take our direction, our instruction from the right source or from the

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 wrong source. In the context of the teaching of money, on money that Jesus is giving, we can let money

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 be what guides, drives, directs us in our lives, or we can make God who we trust,

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 make God the one who gives us our direction. And it kind of ties up with the first section,

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 who or what attracts our attention will often be what sets our direction in life.

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 To make it directly relevant to money as Jesus wants us to do is money. When we think about money

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 in our life, do we think about it principally? Do we relate to it in terms of a gift that we use or a

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 God that we serve? If money is a gift, if we relate to money as a gift that we use, how do we see that?

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 What does it look like? Well, certainly we see it as a way to provide, as a way that we provide.

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 We work hard, we work well to provide for ourselves, for our family, for the people around us.

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 Think back to that passage in 2 Corinthians chapter 8. We have an open-handed policy. We practice

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 generosity. We open our homes and show hospitality. We care for the needs of the poor.

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 Also, to go back a little bit in the Sermon on the Mount, we see our money as part of that daily

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 bread that God gives us. We understand that everything that we have ultimately comes from our Father.

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 And so, our relationship to money is a way for us to grow in our contentment.

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 We understand that we're not confident with what we have and what we don't have,

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 and to trust in Him as we look to meet our needs. We use it as a tool. We invest it for the sake of

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 God's kingdom and for God's mission. When we trust God, our eyes are good, so we look at our money as a

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 way to be generous in response to God's generosity to us. But Jesus says our eyes can also be unhealthy.

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 We can be directed by the wrong thing. Money can become a God that we serve. And what does that

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 look like? How does that affect the way that we look at our money? Well, perhaps we end up seeing

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 money ultimately as our source of happiness. I need to get more and to spend more in order to feel happy.

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 And that will tend towards greater selfishness.

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 Our focus will be driven by how am I going to get the next big thing. We can become consumed consumers.

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 We can also look to money as our main source of security.

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 I will be fine if I have enough, if I've invested well enough, if I have property, stock, share, secure,

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 job. One way that we can sense this in our own life, perhaps negatively,

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 is when those bills start coming through the letterbox and especially the unexpected bills,

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 we can find that we are gripped and consumed by fear and worry.

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 A loss of income of some kind and we can feel totally lost and out at sea.

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 What about if we see money as our main source of hope in this life?

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 In an Old Testament prophetic book, Haggai is told to go and speak to the people of his day.

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 Because the people in his day have been building these grand, opulent, wealthy, luxurious houses,

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 while God's house, the temple, lies in rack and ruin.

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 And if we place all our stock, all our hope in our money, we're going to be building our own houses

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 and kingdoms, and we're increasingly likely to neglect the kingdom of God and those things that are first

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 important. And so, as Jesus teaches, he reminds us it is easy to make money a God replacement,

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 especially when it grabs our attention.

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 And so, if we sense that in ourselves, it's a chance for us to reflect and to respond,

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 to repent, to turn away from that, and instead to use our eyes to look into the gospel,

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 the good news that there is in the Bible, the good news of this sacrificial love of Jesus

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 in coming to deal with our problem of sin, to give us a life that never ends, to give us a new heart

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 and a new relationship with God. It's an invitation for us to trust in Him.

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 And then there's this third test in verse 24, which takes us to the question of what do you and I

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 obey most? We all have that relationship with money, and that relationship that we have

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 often reveals what's going on in our hearts.

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 Those times as Christians when we find ourselves endlessly worrying about money,

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 are those times where we lose sight of the fact that God is present, that God is powerful,

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 that God can provide, that ultimately God is enough.

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 When we find ourselves overspending, on the other hand,

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 we are going down the road of believing, this is what I really need to feel happy and hopeful and

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 secure in life. And again, remember, this is King Jesus speaking to us, and He's looking out at a

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 crowd, a mixed crowd. He's looking out at His disciples there, there, the Pharisees who really love money,

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 they're there, the crowds who've got a mixed relationship, they're there as well. He knows every heart.

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 And He knows the greatest need of every heart is to choose the right master to serve.

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 There can be no divided hearts and divided lives. No one can serve two masters, He says in verse 24.

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 Either you'll hate the one and love the other, or you'll be devoted to the one and despise the other.

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 You cannot serve both God and money. And so, there is this fundamental call to choose.

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 Who do I give my love and my loyalty to?

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 Jesus knows that in His kingdom, in the hearts of His followers, there will still be this battle going on.

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 There's still this pull to lead this divided life, but ultimately, you and I need to choose.

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 Will I obey God as a good master, or will I serve money?

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 Boys and girls, you will know this game. For those of us who are older, you might remember that the

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 very simple hot and cold hide-and-seek game. You know how that game works. A person has an object,

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 and everyone closes their eyes, and you hide the object. And as people are looking around,

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 you're instructed whether you're warm or you're cold. The nearer you get to the desired object,

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 the hotter you get.

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 And as Jesus speaks to this mixed crowd, as He speaks to us, He invites us to think about what

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 is it that we want the most. And He says, if you want a love that lasts forever and that will never

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 fail you, if you want a source of security that lasts not just for this life, but for eternity,

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 come near to me. The closer we are to King Jesus, the more that we know of His goodness and mercy,

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 the more we give Him our hearts, the more we discover life and life to the full.

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 But suppose in that game of hot and cold hide-and-seek, there is another voice,

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 and it's giving the exact opposite message. Then if you're playing the game, you have to decide,

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 who am I going to trust? Money can be an idol we worship, and money speaks, and it says,

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 listen, follow me for your security. Sacrifice for me for your joy.

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 And it's all too easy to be led by that voice.

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 The event, the occasion, the outfit, that's the key to life and happiness.

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 I came across a really interesting reflection from Nietzsche, the 19th century German philosopher,

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 who was no friend of Christianity, who predicted, you know, that society would

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 eventually get rid of God and the need for God, and he was delighted by that. But he was reflecting

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 on what will society replace God with? And here he is reflecting on the fact that society would

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 replace God with money. And he gives this picture of comfortably off people, urged on day and night by

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 a terrible impatience at seeing their wealth pile up so slowly, and an equally terrible longing and love for

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 those heaps of gold. People both driven and miserable in their relationship to money.

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 Do we think he was right? I think sadly many people in our country are discovering that while money is a good

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 servant, it is a terrible master. It offers much, but it fails to deliver. In our country, there are 8.3 million

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 people in the UK with personal debt, and I wonder how many would testify that it's not making me happy.

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 Those with that share in the massive millions and tens of millions of credit card debt,

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 would they agree that while money can be a good servant, it's a terrible master.

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 We will never make enough. We will never buy enough. We will never invest enough to fill the void in our

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 heart. And Jesus knows that. And so he invites us to turn away from money to look to God, to look to

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 himself as the best king and the best master, because he offers us a better way. We read about it,

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 2 Corinthians 8, this same Jesus who speaks here is the one who, though he was rich with all the glory of

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 heaven, for your sake became poor, left it behind to become one of us, to live a life of poverty,

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 to be a humble servant who would die on the cross, so that you and I, through his poverty,

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 might become rich, that through his radical generosity, giving up everything, including his own life,

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 he would forgive us and welcome us into his kingdom and give us the gift of eternal life and love,

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 where we can call God our Father. It's this Jesus who calls us to live by faith,

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 to entrust ourselves to him, to follow him as our master and our king,

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 to let our budgets be shaped by loyalty to Jesus as king, to let God's grace to us lead us into

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 generosity, to serve God as our master by using the money he gives us to serve others and to help in his mission.

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 When we know the gospel, the good news that Jesus gave up everything in order to make us his treasure,

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 then more and more he gets our heart and we are glad to love him and serve him, including with our money.

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 Let's pray together.