The Moneylender and His Wife—a famous painting by the Renaissance artist Quentin Massys—confronts us with the choice that everyone must make between God and money. The moneylender is sitting at home, with a measuring scale and a pile of money in front of him on the table, carefully assessing the value of a single coin.

Yet our eye is also drawn to the woman sitting next to him, the moneylender’s wife. She is leafing through a Bible or a book of spiritual exercises, which presumably was bought by her wealthy husband.

She is having her devotions, except she is distracted by all the money being counted. As she turns the page, her gaze is captivated by the coin in her husband’s hand.

Massys painted this image to make a serious point. His adopted city of Antwerp had become a world center for business and trade. But Massys saw how easily money can pull our souls away from the worship of God.

All of us feel this tension. We know that God demands our highest allegiance. We believe that nothing is more precious than the message of his gospel—the forgiveness of our sins and the free gift of eternal life through faith in Jesus Christ.

Yet we are easily distracted. Sometimes we would rather thumb through a mail-order catalog than listen to what God has said in his Word.

To this point the Preacher has been talking about wealth and poverty on the national scale, but beginning in verse 10 he brings things down to the personal level.

Public officials are not the only people who want to get more money; this is a temptation for all of us. So the Preacher warns us about the vanity of prosperity: “He who loves money will not be satisfied with money, nor he who loves wealth with his income; this also is vanity” (Ecclesiastes 5:10).

Here we have a well-known truth, stated as a proverb, to which the Preacher adds his typical editorial comment about vanity.

No matter how much money they have, people who live for money are never satisfied. They always want more.

John D. Rockefeller was one of the richest men in the world, but when someone asked him how much money was enough, he famously said, “Just a little bit more.”

Most Americans have at least a mild case of this deadly disease. Even if we are thankful for what we have, we often think about the things that we do not have and how to get them.

This explains the sudden pang of discontent we feel when we realize that we cannot afford something we want to buy or the   guilt we feel because we bought it anyway, and now we are in debt as a result.

The appetite for what money can buy is never satisfied. The only way to curb it is to be content with what God provides.

What he did in this section was demolish several of the myths that people hold about wealth. Because they hold to these illusions, they rob themselves of the blessings God has for them.

Myth #1: Wealth Brings Satisfaction (vs. 10)

¹⁰ He who loves money will not be satisfied with money, nor he who loves wealth with his income; this also is vanity.

Some people treat money as though it were a god. They love it, make sacrifices for it, and think that it can do anything. Their minds are filled with thoughts about it; their lives are controlled by getting it and guarding it; and when they have it, they experience a great sense of security.

What faith in the Lord does for the Christian, money does for many unbelievers. How often we hear people say, “Well, money may not be the number one thing in life, but it’s way ahead of whatever is number two!”

The person who loves money cannot be satisfied no matter how much is in the bank account—because the human heart was made to be satisfied only by God (3:11).

“Take heed and beware of covetousness,” warned Jesus, “for one’s life does not consist in the abundance of the things which he possesses” (Luke 12:15, NKJV).

First the person loves money, and then he loves more money, and the disappointing pursuit has begun that can lead to all sorts of problems. “For the love of money is a root of all kinds of evil” (1 Tim. 6:10, NKJV).

Myth #2: Wealth Solves Every Problem (vs. 11)

When goods increase, they increase who eat them, and what advantage has their owner but to see them with his eyes?

There is no escaping the fact that we need a certain amount of money in order to live in this world, but money of itself is not the magic “cure-all” for every problem. In fact, an increase in wealth usually creates new problems that we never even knew existed before.

Solomon mentioned one: relatives and friends start showing up and enjoying our hospitality. All we can do is watch them eat up our wealth.

Or perhaps it is the tax agent who visits us and decides that we owe the government more money.

John Wesley said: “Make all you can, save all you can, give all you can.” Wesley himself could have been a very wealthy man, but he chose to live simply and give generously.

Myth #3: Wealth Brings Peace of Mind (vs. 12)

Sweet is the sleep of a laborer, whether he eats little or much, but the full stomach of the rich will not let him sleep.

The late Joe Louis, world heavyweight boxing champion, used to say, “I don’t like money actually, but it quiets my nerves.” But Solomon said that possessing wealth is no guarantee that your nerves will be calm and your sleep sound.

According to him, the common laborer sleeps better than the rich man. The suggestion seems to be that the rich man ate too much and was kept awake all night by an upset stomach. But surely Solomon had something greater in mind than that.

The Living Bible expresses verse 12 perfectly: “The man who works hard sleeps well whether he eats little or much, but the rich must worry and suffer insomnia.”

More than one preacher has mentioned John D. Rockefeller in his sermons as an example of a man whose life was almost ruined by wealth. At the age of 53, Rockefeller was the world’s only billionaire, earning about a million dollars a week.

But he was a sick man who lived on crackers and milk and could not sleep because of worry. When he started giving his money away, his health changed radically and he lived to celebrate his 98th birthday!

Yes, it’s good to have the things that money can buy, provided you don’t lose the things that money can’t buy.

Myth # 4: Wealth Provides Security (vs. 13-17)

 There is a grievous evil that I have seen under the sun: riches were kept by their owner to his hurt, ¹⁴ and those riches were lost in a bad venture. And he is father of a son, but he has nothing in his hand. ¹⁵ As he came from his mother’s womb he shall go again, naked as he came, and shall take nothing for his toil that he may carry away in his hand. ¹⁶ This also is a grievous evil: just as he came, so shall he go, and what gain is there to him who toils for the wind? ¹⁷ Moreover, all his days he eats in darkness in much vexation and sickness and anger.

Poor old Solomon. Here he is grieving his heart out that he can’t take any of it with him! The sad fact of there never having been any kind of a U-Haul attachment for funeral coaches was viewed by the great wise man as “a grievous evil.”

The apostle Paul may have remembered this passage when he wrote, “We brought nothing into the world, for neither can we carry anything out; but having food and covering we shall be therewith content. But they that are minded to be rich fall into temptation and a snare and many foolish and hurtful lusts, such as drown men in destruction and perdition” (1 Tim. 6:7–9).

Several of the great tragedies connected with wealth are mentioned here. (1) “They perish by evil adventure” (Eccl. 5:14). This might occur in a hundred different ways, a false partner, an unwise investment, a natural calamity of some kind, a revolution, a bankruptcy, or something else

(2) “If he hath begotten a son, there is nothing in his hand” (Eccl. 5:14). The inability of the sons of rich men to carry on the successes of their fathers is effectively demonstrated continually in the daily newspapers. I was made aware of a poem that had this line: “All you can hold in your cold dead hand is what you have given away.”

“Nothing … which he may carry away in his hand” (Eccl. 5:15). Oh yes we take something with us when we die; but it is invisible, ‘nothing in our cold dead hand.’

“We take with us our character and our conscience.” We take with us those treasures which we have laid up “in heaven” (Matt. 6:20–21).

We shall also take with us (in the sense that we shall not lose them) those “friends” whom we have made by the proper use of our wealth, wicked as it is, and who, according to our Lord’s promise, “Shall receive us into the eternal habitations.” (Luke 16:9, Revised Standard Version).

The wisest man who ever lived did not know this; and it emphasizes the truth that Christians are exceedingly privileged and blessed. Wiser that Solomon?

Today people lose their money in places like the stock market. In those days their ships foundered at sea or their camel trains were attacked in the wilderness. But whatever the reason, this man took a gamble and ended up destitute as a result.

Keep in mind that Solomon was advocating neither poverty nor riches, because both have their problems (Prov. 30:7–9). The Preacher was warning his listeners against the love of money and the delusions that wealth can bring.

“What profit hath he that laboreth for the wind” (Eccl. 5:16)? See comment on Eccl. 5:15, above, which tells how the rich man indeed may profit magnificently, if he will do it Jesus’ way.

The language of these verses is familiar to anyone who knows the story of Job. When that poor man lost everything that he had, he said, “Naked I came from my mother’s womb, and naked shall I return. The Lord gave, and the Lord has taken away; blessed be the name of the Lord” (Job 1:21).

The Apostle Paul took the same truth and applied it to all of us: “We brought nothing into the world, and we cannot take anything out of the world” (1 Timothy 6:7).

Everything that Solomon says about money is beautifully paraphrased by Randy Alcorn in his book The Treasure Principle, under the heading “Chasing the Wind.” Alcorn quotes each of Solomon’s insights in Ecclesiastes 5:10–15, and then adds his own paraphrase:

• “Whoever loves money never has money enough” (v. 10). The more you have, the more you want.
• “Whoever loves wealth is never satisfied with his income” (v. 10). The more you have, the less you’re satisfied.
• “As goods increase, so do those who consume them” (v. 11). The more you have, the more people (including the government) will come after it.
• “And what benefit are they to the owner except to feast his eyes on them?” (v. 11). The more you have, the more you realize it does you no good.
• “The sleep of a laborer is sweet, whether he eats little or much, but the abundance of a rich man permits him no sleep” (v. 12). The more you have, the more you have to worry about.
• “I have seen a grievous evil under the sun: wealth hoarded to the harm of its owner” (v. 13). The more you have, the more you can hurt yourself by holding on to it.
• “Or wealth lost through some misfortune” (v. 14). The more you have, the more you have to lose.

The Right Attitude Toward Health and Wealth – Solomon added another important thought: the ability to enjoy life’s blessings is also a gift from God.

Ecclesiastes 5:18-20 (ESV) Behold, what I have seen to be good and fitting is to eat and drink and find enjoyment in all the toil with which one toils under the sun the few days of his life that God has given him, for this is his lot. ¹⁹  Everyone also to whom God has given wealth and possessions and power to enjoy them, and to accept his lot and rejoice in his toil—this is the gift of God. ²⁰  For he will not much remember the days of his life because God keeps him occupied with joy in his heart.