A Reflection on Luke 12:13–21
When it comes to measuring the value of life, our culture often looks at bank accounts, portfolios, and possessions. But Jesus offers a very different standard: “One’s life does not consist in the abundance of his possessions.” (Luke 12:15)
This was a lesson I began wrestling with early in my Christian walk. As a junior at the University of Florida, I had a newfound zeal for Jesus and a desire to follow Him fully. One day, while reading the Gospel of Luke, I came across some tough words about money and discipleship. I began to mentally inventory my belongings to see if I would truly be willing to give them up for Christ.
At that point in life, I didn’t have much. Everything I owned could fit into my bright yellow 1978 Delta 88 Oldsmobile—affectionately known as the “Chuck Model 1.” I could part with the car. I could part with my clothes. But then came the fish tank—my prized 50-gallon aquarium, home to an eel named Larry and a black bass named Bill.
I couldn’t imagine giving it up.
Years later, when Brooke and I got married and moved to Chicago for seminary, Brooke gently but firmly said, “The fish tank can’t come.” She was right. I gave it to a kid in the neighborhood, not realizing that in doing so, I was finally surrendering that little idol. Strangely enough, years later, after we moved back to Florida, someone called out of the blue: “Are you Charlie Holt? I think I have your fish tank.” It had passed from family to family, with each one told, “If Charlie ever comes back to town, he might want this.”
God took it away. Then God gave it back. It was a parable in itself about detachment and God’s generous provision.
The Heart of Greed
Greed, Paul tells us in Colossians, is idolatry—when our hearts are fixated on money, stuff, or security apart from God. Greed isn’t about how much you have; it’s about what has you. It’s being so attached to something—be it a fish tank or a fortune—that you’d sin to get it or sin to keep it.
In Luke 12, Jesus addresses two brothers fighting over inheritance. Their request sounds reasonable: “Teacher, tell my brother to divide the inheritance with me.” But Jesus doesn’t affirm their desire. Instead, He warns them to “be on your guard against all kinds of greed.” Why? Because He knows that greed will tear families apart and lead hearts away from God.
Many of us have seen this firsthand: families that once shared meals and laughter are torn apart by inheritance disputes and property battles. The sin nature rears its head when money is on the line.
The Rich Fool and the Internal Monologue
Jesus follows His warning with a story about a wealthy man blessed with an abundant harvest. The man doesn’t pray, doesn’t thank God, and doesn’t ask what God would have him do with the surplus. Instead, he talks only to himself: “Soul, you have ample goods laid up… relax, eat, drink, be merry.”

God calls him a fool—not because he was rich, and not because he saved—but because he left God out of the equation. In Scripture, the fool is the one who “says in his heart, ‘There is no God.’” (Psalm 14:1)
This man lived like a practical atheist—planning his life around his own comfort, rather than around the Kingdom of God. And when the day of reckoning came, all his wealth meant nothing.
You can’t take it with you—and if you haven’t used it for God’s purposes, someone else will.
So What Do We Do?
This passage is not an attack on retirement, savings, or even wealth. It’s a call to re-center our hearts and our stewardship around God. Whether you’re working or retired, the question is: “What does God want me to do with what He has given me?”
Here are three practical steps:
1. Examine Your Conversations
Are your life plans entirely internal—between “me and myself”? Or are you regularly praying, “Lord, what would you have me do with my time, talents, and treasures?”
2. Embrace the Spiritual Discipline of Tithing
Tithing is not just about funding the church—it’s about dethroning money in our hearts. The Old Testament calls for 10%, a standard that still challenges us today. Tithing hurts just enough to make us realize our dependence on God, but it also blesses in ways we can’t anticipate.
Years ago, a man in my church told me his tithing testimony: He started small, then committed to 10%. That year, his tithe was more than his entire salary the year before. The next year, it increased again. His giving became a pipeline for God’s provision.
I warned him: “What happens when things go down?” Sure enough, they did. The market crashed. But to his credit, he remained faithful. Tithing is not about prosperity—it’s about trust.
3. Redefine What “Abundance” Means
Jesus said, “I came that they may have life and have it abundantly.” (John 10:10)
This does not mean you’ll be wealthy. Many of the most joy-filled, Spirit-filled people I’ve known lived modestly. Abundance in Christ is not about stuff—it’s about peace, purpose, and contentment.
Final Word: The Life That Truly Is Life
Let me leave you with this word from Paul to Timothy (1 Timothy 6:6–10, 17–19):
“But godliness with contentment is great gain… For we brought nothing into the world, and we can take nothing out of it… As for the rich… they are to do good, to be rich in good works, generous and ready to share… so that they may take hold of that which truly is life.”
That’s the kind of “net worth” that never crashes with the market.
Are you rich toward God?
If not, it’s never too late to start investing in the life that truly is
