One of the concerns for people as they age is whether they will have enough finances in their retirement years. Financial planners all have different gauges to determine how much is enough, but maybe we are not thinking far enough about our future. How will God evaluate our financial portfolio? How will that impact our lives in eternity? If financial planning is part of our eternal plan, perhaps we need to evaluate what we are or are not doing in this area of our lives. Are we living the kind of life that God has called us to be ready for eternity? Being generous with our time and money does affect eternal outcomes. Charles Dickens' Christmas classic, ‘A Christmas Carol,’ is a cautionary tale about how we prioritize this world’s riches over people's needs. James challenges us regarding our priorities with finances, both in how we attain and invest them, often taking advantage of others or simply living a self-gratifying life. James 5:1-6 Now listen, you rich people, weep and wail because of the misery that is coming on you. Your wealth has rotted, and moths have eaten your clothes. Your gold and silver are corroded. Their corrosion will testify against you and eat your flesh like fire. You have hoarded wealth in the last days. Look! The wages you failed to pay the workers who mowed your fields are crying out against you. The cries of the harvesters have reached the ears of the Lord Almighty. You have lived on earth in luxury and self-indulgence. You have fattened yourselves in the day of slaughter. You have condemned and murdered the innocent one, who was not opposing you. Is this simply a warning against ungodly people? Or is this a warning against the misuse of God’s resources that He has given us? Obviously, it serves as a warning against those who oppress others, but it is also a word of encouragement to those who suffer as a result of financial inequality. James is using a literary device known as “apostrophe’—speaking to people who are not present, for the benefit of those who are. This way, James’ listeners will know the certainty of the coming demise of their oppressors.” James is about to call for patient endurance under repressive economic conditions, where some are benefiting at the expense of others. The analogy James makes in Chapter Five is that of a ripening harvest.  Jesus’ return to judge is often spoken of metaphorically as a harvest of people. The harvest is divided between that which is of value, the righteous and those who will be judged for their sinful actions, the unrighteous. James 5:1-6 deals with this economic oppression and serves as a warning to affluent Christians to invest in the lives of others, particularly those who are unable to care for themselves.  David Platt explains: “You might wonder why, in a book addressed to Christians, James would spend time using such harsh language toward unbelievers. The answer is that he is reminding the Christians that the justice of God is coming. This reality should enable them to be patient. With that said, it doesn’t mean these verses have no other application to Christians. James has already rebuked Christian brothers and sisters who favoured the rich over the poor, so 5:1–6 serves as both a direct rebuke to rich nonbelievers who were oppressing the poor and a subtle, indirect warning to rich believers (Christians) who were ignoring the poor. Notice that James is not necessarily condemning wealth here; instead, he focuses on the sinful use of wealth. At the same time, for those of us who are part of a culture that is extremely wealthy compared to the rest of the world, we need to examine whether we are engaged in a sinful use of the resources God has given us.”