The Currency of Heaven

“The rich man also died and was buried.” — Luke 16:22 (NIV)

According to Forbes, thirty-one billionaires died in 2024, leaving behind a combined $207 billion. Isak Andic, founder of a global fashion empire, was among them—he fell while hiking with his son at age 71. His passing is a sobering reminder: wealth can build empires on earth, but it cannot purchase a seat in heaven.

Jesus once told a story about two men—one rich, one poor (Luke 16:19-31). The rich man lived in luxury every day. Lazarus, a beggar covered in sores, lay outside his gate longing for crumbs. When they both died, their fortunes reversed. Lazarus was carried into Abraham’s bosom; the rich man found himself in torment. Jesus didn’t condemn wealth itself but the misplaced trust that wealth so easily commands. The rich man’s currency was earthly; Lazarus’s was eternal. The rich man’s mistake wasn’t that he had treasure, but that he never deployed it for the currency that lasts—graciously using the wealth in ways that align with God’s eternal purposes.

As investors and stewards, we spend much of our lives measuring worth—assets under management, net worth, rate of return. Yet the Kingdom of God runs on a different economy. In heaven, the only accepted currency is grace. “For it is by grace you have been saved, through faith—and this is not from yourselves, it is the gift of God” (Ephesians 2:8, NIV). No portfolio can outperform grace, and no investment strategy can replicate it.

Still, the way we handle money on earth reveals what kind of currency we truly value. When we live as if money is the measure of our security or identity, we are transacting in a market destined to collapse. But when we view money as a tool for love, justice, and restoration, we begin investing in the economy of eternity. Jesus said, “Do not store up for yourselves treasures on earth, where moths and rust destroy… but store up for yourselves treasures in heaven” (Matthew 6:19-20, NIV).

Heaven’s currency isn’t gold—it’s grace. Its marketplace runs on generosity, not greed. Every act of compassion, every investment that uplifts the poor, every gift that advances the gospel accrues eternal value. In that economy, dividends are measured not in dollars but in transformed lives.

Grace changes everything about stewardship. It frees us from anxiety about scarcity and compels us to give freely because we’ve received freely. The more we trade in heaven’s currency, the less we are enslaved by earth’s. The Apostle Paul wrote, “You know the grace of our Lord Jesus Christ, that though He was rich, yet for your sake He became poor, so that you through His poverty might become rich” (2 Corinthians 8:9, NIV).

When the markets close and the ledgers of earth are erased, the only return that matters will be the impact of your stewardship on eternity. The question isn’t how much you’ll leave behind—but what you’ll send ahead. Make sure your trust is in Jesus alone. His grace is the only currency that will still hold its value when the markets of this world shut down. True wealth isn’t what you keep, but what you convert into eternal dividends—acts of mercy, justice, and generosity done in the name of Christ.

Donald Simmons, CFP®

Don has over thirty years of experience building and managing a boutique investment firm in upstate New York that he founded in 1988. A CFP® Professional with a degree in counseling and post graduate training as a portfolio asset allocation specialist, Don fuses professional portfolio strategy with investor psychology and behavior to provide a well-informed perspective on our role as Christian steward-investors.  With nearly a quarter billion dollars of assets under management, his firm consistently ranks among the top 1% of financial advisor practices in the United States. Read Full Bio

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