Sermon 87 · The Danger of Riches · 1

"They that will be rich fall into temptation and a snare, and into many foolish and hurtful desires, which drown men in destruction and perdition."

1 Tim. 6:9.

1. How innumerable are the ill consequences which have followed from men's not knowing, or not considering, this great truth! And how few are there even in the Christian world, that either know or duly consider it! Yea, how small is the number of those, even among real Christians, who understand and lay it to heart! Most of these too pass it very lightly over, scarce remembering there is such a text in the Bible. And many put such a construction upon it, as makes it of no manner of effect. "They that will be rich," say they, "that is, will be rich at all events, who Will be rich right or wrong; that are resolved to carry their point, to compass this end, whatever means they use to attain it; they fall into temptation," and into all the evils enumerated by the Apostle." But truly if this were all the meaning of the text, it might as well have been out of the Bible.

2. This is so far from being the whole meaning of the text, that it is no part of its meaning. The Apostle does not here speak of gaining riches unjustly, but of quite another thing: His words are to be taken in their plain obvious sense, without any restriction or qualification whatsoever. St. Paul does not say, "They that will be rich by evil means, by theft, robbery, oppression, or extortion; they that will be rich by fraud or dishonest art; but simply, "they that will be rich:" These, allowing, supposing the means they use to be ever so innocent, "fall into temptation and a snare, and into many foolish and hurtful desires, which drown men in destruction and perdition."

3. But who believes that? Who receives it as the truth of God? Who is deeply convinced of it? Who preaches this? Great is the company of preachers at this day, regular and irregular; but who of them all openly and explicitly, preaches this strange doctrine? It is the keen observation of a great man, "The pulpit is a fearful preacher's strong-hold." But who even in his strong-hold, has the courage to declare so unfashionable a truth? I do not remember that in threescore years I have heard one sermon preached upon this subject. And what author, within the same term, has declared it from the press? at least, in the English tongue? I do not know one. I have neither seen nor heard of any such author. I have seen two or three who just touch upon it; but none that treats of it professedly. I have myself frequently touched upon it in preaching, and twice in what I have published to the world: Once in explaining our Lord's Sermon on the Mount, and once in the discourse on the "Mammon of unrighteousness;" but I have never yet either published or preached any sermon expressly upon the subject. It is high time I should;--that I should at length speak as strongly and explicitly as I can, in order to leave a full and clear testimony behind me, whenever it pleases God to call me hence.

4. O that God would give me to speak right and forcible words; and you to receive them in honest and humble hearts! Let it not be said, "They sit before thee as my people, and they hear thy words; but they will not do them. Thou art unto them as one that hath a pleasant voice, and can play well on an instrument; for they hear thy words, but they do them not!" O that ye may "not be forgetful hearers, but doers of the word," that ye may be "blessed in your deed!" In this hope I shall endeavour,

I. To explain the Apostle's words. And,

II. To apply them.

But O! "who is sufficient for these things?" Who is able to stem the general torrent? to combat all the prejudices, not only of the vulgar, but of the learned and the religious world? Yet nothing is too hard for God! Still his grace is sufficient for us. In his name, then, and by his strength I will endeavour.

I. To explain the words of the Apostle.

1. And, First, let us consider, what it is to be rich. What does the Apostle mean by this expression?

The preceding verse fixes the meaning of that: "Having food and raiment," (literally coverings; for the word includes lodging as well as clothes) "let us be therewith content." "But they that will be rich;" that is, who will have more than these; more than food and coverings. It plainly follows, whatever is more than these is, in the sense of the Apostle, riches; whatever is above the plain necessaries, or at most conveniences, of life. Whoever has sufficient food to eat, and raiment to put on, with a place where to lay his head, and something over, is rich.

2. Let us consider, Secondly, What is implied in that expression, "They that will be rich?" And does not this imply, First, they that desire to be rich, to have more than food and coverings; they that seriously and deliberately desire more than food to eat, and raiment to put on, and a place where to lay their head, more than the plain necessaries and conveniences of life? All, at least, who allow themselves in this desire, who see no harm in it, desire to be rich.

3. And so do, Secondly, all those that calmly, deliberately, and of set purpose endeavour after more than food and coverings; that aim at and endeavour after, not only so much worldly substance as will procure them the necessaries and conveniences of life, but more than this, whether to lay it up, or lay it out in superfluities. All these undeniably prove their "desire to be rich" by their endeavours after it.

4. Must we not, Thirdly, rank among those that desire to be rich, all that, in fact "lay up treasures on earth?" a thing as expressly and clearly forbidden by our Lord as either adultery or murder. It is allowed, (1.) That we are to provide necessaries and conveniences for those of our own household: (2.) That men in business are to lay up as much as is necessary for the carrying on of that business: (3.) That we are to leave our children what will supply them with necessaries and conveniences after we have left the world: and (4.) That we are to provide things honest in the sight of all men, so as to "owe no man anything." But to lay up any more, when this is done, is what our Lord has flatly forbidden. When it is calmly and deliberately done, it is a clear proof of our desiring to be rich. And thus to lay up money is no more consistent with good conscience, than to throw it into the sea.

5. We must rank among them, Fourthly, all who possess more of this world's goods than they use according to the will of the Donor: I should rather say, of the Proprietor; for He only lends them to us as Stewards; reserving the property of them to himself. And, indeed, he cannot possibly do otherwise, seeing they are the work of his hands; he is, and must be, the possessor of heaven and earth. This is his unalienable right; a right he cannot divest himself of. And together with that portion of his goods which he hath lodged in our hands he has delivered to us a writing, specifying the purposes for which he has intrusted us with them. If therefore we keep more of them in our hands than is necessary for the preceding purposes, we certainly fall under the charge of "desiring to be rich." Over and above, we are guilty of burying our Lord's talent in the earth, and on that account are liable to be pronounced wicked, because unprofitable, servants.

6. Under this imputation of "desiring to be rich," fall, Fifthly, all "lovers of money." The word properly means, those that delight in money; those that take pleasure in it; those that seek their happiness therein; that brood over their gold and silver, bills or bonds. Such was the man described by the fine Roman painter, who broke out into that natural soliloquy:--

... Populus me sibilat, at mihi plaudo

Ipse domi simul ac nummos contemplor in arca.

[The following is Francis's translation of these lines from Horace:

"Let them his on,

While, in my own opinion fully blest,

I count my money, and enjoy my chest." -- Edit.]

If there are any vices which are not natural to man, I should imagine this is one; as money of itself does not seem to gratify any natural desire or appetite of the human mind; and as, during an observation of sixty years, I do not remember one instance of a man given up to the love of money, till he had neglected to employ this precious talent according to the will of his Master. After this, sin was punished by sin; and this evil spirit was permitted to enter into him.

7. But beside this gross sort of covetousness, the love of money, there is a more refined species of covetousness, mentioned by the great Apostle, pleonexia, which literally means a desire of having more; more than we have already. And those also come under the denomination of they that will be rich. It is true that this desire, under proper restrictions, is innocent; nay, commendable. But when it exceeds the bounds, (and how difficult is it not to exceed them!) then it comes under the present censure.

8. But who is able to receive these hard sayings? Who can believe that they are the great truths of God? Not many wise not many noble, not many famed for learning; none, indeed, who are not taught of God. And who are they whom God teaches? Let our Lord answer: If any man be willing to do his will, he shall know of the doctrine whether it be of God. Those who are otherwise minded will be so far from receiving it, that they will not be able to understand it. Two as sensible men as most in england sat down together, some time since, to read over and consider that plain discourse on, Lay not up for yourselves treasures upon earth. After much deep consideration, one of them broke out, "Positively, I cannot understand it. Pray, do you understand it, Mr. L.?" Mr. L. honestly replied, "Indeed, not I. I cannot conceive what Mr. W. means. I can make nothing at all of it." So utterly blind is our natural understanding touching the truth of God!