James calls out the ungodly rich for hoarding wealth and cheating workers. The issue isn’t money; it’s the heart behind it. God calls us to see everything we have as His, not ours.

James contrasts ownership (“It’s mine”) with stewardship (“It’s God’s gift, and I manage it”). True faith sees wealth as a tool for generosity, not self-indulgence. The antidote to greed is giving.

Bottom line: You can’t take it with you, but you can use it to bless others and honor God.