“For where your treasure is, there will your heart be also.” 
(Matthew 6:21)

Your treasure may not be the same as your neighbor’s, but my friend, it is yours whether you actually possess it or not—because you love it! Because your heart is set or fixed upon it. Whether it be things in heaven or things in earth, the heart going out to grasp and embrace them makes those things your treasure. If I may be permitted to turn these words around, “For where your heart is, there is your treasure.”

I realize that the heart of fallen man is “deceitful above all things” (Jeremiah 17:9), but there is no excuse for a man to be surprised at the Day of Judgment (Matthew 7:22-23; Matthew 22:12; Matthew 25:1-13). For while we may not be able to recognize all of the deceitful inclinations, promptings and motivations of our sinful hearts, and while we may be deceived about why we are doing this or that—we do know what we do! And “the tree is known by his fruit” (Matthew 12:33).

Brothers and Sisters, I often think of you with prayerful concern as you go out five of six days a week to scratch out a sustenance for your families. I know something of the mental and physical burdens you have to bear and of the vile and disrespectful people you often have to work with or do business with. I’m no “novice” (1st Timothy 3:6). I’ve been there, and I know how distracting, trying and deadening an influence these things can be upon the spirituality of a Christian.

What has this to do with the heart and one’s treasure? Just this: when your day is finished, your week is ended, and you are free from your vocation—what then engages your thoughts?–and your heart? And with whom do you spend your free time? When you free the reins on a horse, it will take the most direct route home, and when let loose in the pasture, it will choose the company of other horses above cows, goats or pigs. A horse acts instinctively, but a man follows his heart—to his treasure! 

M. Montgomery