Are You A Hoarder, Frivolous Spender, or Investor?  

May 6, 2014

When it comes to currency (money), there are usually three ways folks relate to currency. People are usually hoarders, frivolous spenders, or investors.  Chances are, you may resonate with one or more of these three tendencies.  I’d like to invite you to take a few minutes to think about some of these things and see the reality of life in the kingdom of God to which they point.  Please understand that this post is really not about money.     


For many, the excessive drive to save currency (money) is really just hoarding under the guise of being financially responsible.  Many who feel the need to continually stash money away do it out of a need to feel secure.  Those who have a tendency toward this kind of thinking feel pain and anxiety when purchases have to be made, or when their money is spent by others.  People with a tendency to hoard have often come from lack or poverty in their past. Hoarding (saving) is a way to protect themselves from reliving that pain.  Hoarding is rooted in fear.

Frivolous Spending

On the other end of the currency spectrum are those who engage in frivolous spending.  Those who have this tendency don’t seem to understand the value of their currency.  They spend money anywhere and everywhere without thoughtfulness or regard.  When compared to those who hoard, frivolous spending can look like freedom, yet it often leads to shallow and pointless living.   


I have always been intrigued by the concept of investing.  Those who invest their currency don’t seem to fit into the fear based ‘hoarding’ box.  They are not afraid to spend money as investing certainly requires spending, and there is risk of loss involved.  Many investors can tell you about painful losses they have acquired along the way.  They can also tell you about great profit and reward as well.  Good investors seem to understand the value of currency.  They choose what they invest in with careful attention.  Hope of the future propels the investor to spend their valuable currency in the present, and patiently sustains them in the wait for their investment to mature.  

True Currency

As I mentioned earlier in this post, I’m not interested in talking about the currency that we commonly think of that contains the image of a man on it. I’m really talking about the currency that bears the image of God. Human currency in mankind’s kingdom is simply a shadow of the divine currency in the kingdom of God.  

In the kingdom of God, the only currency is love.  

Without this currency, there can be no true exchange of vital life supply among one another. Counterfeit currency is easily spotted by those who live in this heavenly kingdom. The good news is this…

We are tremendously wealthy!

We have been given an abundant supply of wealth in this kingdom.  This rich kingdom is within us.  This kingdom is love.  This kingdom is a person (Jesus Christ).  Because we have an abundant supply of this heavenly currency, hoarding (saving) is no longer a ‘responsible’ or wise way of life.  Thankfully, we never have to worry about running out of currency in the kingdom of God.  The supply is endless.  

This is where things get sticky, however.  Relationship is the vehicle in which this currency is exchanged in the kingdom of God.  For those of us who fear intimate relationships due to past hurts, mistakes, losses, and betrayals, the fear of loss which leads to the hoarding of our love is a real temptation and challenge to overcome.  

I am finding that it truly takes a revelation of the reality of our abundant supply of indwelling love to be set free of the fear that leads to hoarding.  A ‘hoarding’ mentality leads to what I call relational retardation.  In the house that the Lord is building, however, it is in the context of personal relationship that the living stones are truly fit together.  The need for this to be understood has never been greater.                    

In addition to hoarding, frivolous spending is also not an acceptable way of life in the kingdom as well.  The currency we have been entrusted with is not cheap.  This currency of love is of infinite worth and was freely given to us at great cost by the One who gave to us.  Although Jesus loves the whole world, He never marketed His love to the masses the way the religious system of mankind continually seeks to do.  His love is too precious to be standing on every street corner out in the open.  He conceals that which is of worth in His kingdom to be found by only those with the most hunger to discover His love.  

Jesus understood this clearly, and this is why He bluntly warned us to not cast our pearls before swine in a frivolous way.  Not only will they reject the treasures of His love, they will ravenously turn on us and tear us to pieces.  Many of you reading this are all too aware of this reality.  

In the kingdom of God, investing our currency of love in the specific relationships that the Lord gives to us is the only acceptable way to live.  This is the house He is building.  Unlike relationships rooted in the flesh, we don’t have to strive to make these relationships happen.  We simply have to recognize the relationships that He has given to us and freely walk in them sharing and receiving the currency of His extravagant love where the doors to relate in this way are open.  We can do no more, and should do no less.    

Loving like this is certainly not for the faint of heart, and is not something the world can grasp.  Nevertheless, I am convinced that the heavenly kingdom breaks into our present reality when we freely invest this heavenly currency into the relationships the Lord has given to us.


Jamal Jivanjee 

RELATED READING: PP & the Parable of the Crumb Gathering by Pamela Spock  

Jamal Jivanjee

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19 responses to Are You A Hoarder, Frivolous Spender, or Investor?  

  1. I think there may be about a bazillion great points in this post, brother. I think there is a ton of enlightened thinking in this. I got an mp3 of that conference I was just at i can give you…and I think you would be blown away by what you posted here and some of the things they had to share. The kingdom is to always be advancing…the increase of His government, there will be no end…but if we are hoarding, or being frivolous, that doesn’t speak into that. But the heartbeat behind investing can, as you shared it.

  2. There are just two mediums of exchange, the old system is founded upon money. The New is founded upon and in Love.

    One can and will fail, the other can never fail. Love is backed by Love Himself, He can never fail.

    What’s in your heart?

  3. Great post Jamal:) It’s true that neither hoarding, nor frivolous spending, is motivated with any respect for what is given to us, or how it was given to us.

    As far as investing in one another, I am reminded of this quote by a Native American observing our banks for the first time. I never forgot it when reading it years ago. I think it speaks (understood spiritually) to what you said,

    “Once I was in Victoria, and I saw a very large house. They told me it was a bank and that the white men place their money there to be taken care of, and that by and by they got it back with interest. We are Indians and we have no such bank; but when we have plenty of money or blankets, we give them away to other chiefs and people, and by and by they return them with interest, and our hearts feel good. Our way of giving is our bank.” – Chief Maquinna, Nootka

    • Jamal Jivanjee May 6, 2014 at 7:24 pm

      Thank you for sharing that Pamela. That’s a great picture that contrasts the two kingdoms.

  4. Jared Gustafson May 6, 2014 at 8:51 pm

    Glory!!!!!! Love this dude! Yay! It’s so sweet and precious to Papas heart! Love love love it! Sham bam!

  5. I’m thinking of the parable and the talents. Our true and best talent is that which we’ve been supplied in Love. If we bury Love, we are wicked and lazy. If we mindlessly throwLlove around in an effort to be seen, we fail to invest, which is to seed our talent in those nearest us. The treasure of Him, in the field of us, is indeed worth investing in!

  6. kenneth dawson May 7, 2014 at 2:16 am

    man as usual you speak with gold and diamonds–I always like that text in Ezekiel 36:27 where God says I will CAUSE you to walk in my ways and that’s what I ask my daddy to do for me.

    • Jamal Jivanjee May 7, 2014 at 2:06 pm

      Glad you liked the analogy Joshua. The more I realize that the natural world is filled with types and shadows of the greater kingdom of God, the more amazed I am with how truly profound His kingdom really is. The fact that we get to begin living in His kingdom now is astounding!

  7. Jamal,
    The women described in Proverbs 5 and 7 came to mind when you mentioned the hoarder and the frivolous spender.

    You don’t want to squander your wonderful life,
    to waste your precious life among the hardhearted.
    Why should you allow strangers to take advantage of you?
    Why be exploited by those who care nothing for you?

    Brazen and brash she was, restless and roaming, never at home.

    And another when you described the investor…

    You’re blessed when you meet Lady Wisdom,
    when you make friends with Madame Insight.
    She’s worth far more than money in the bank;
    her friendship is better than a big salary.
    Her value exceeds all the trappings of wealth;
    nothing you could wish for holds a candle to her.
    With one hand she gives long life,
    with the other she confers recognition.
    Her manner is beautiful,
    her life wonderfully complete.
    She’s the very Tree of Life to those who embrace her.
    Hold her tight—and be blessed!

    Thank you for sharing this. Much of the relational piece speaks deeply to me in this time. Once again, your insight brings clarity to life experiences. Thank you =]

    • Jamal Jivanjee May 7, 2014 at 2:09 pm


      Thank you for sharing this insightful comment. I’m so glad this post brings clarity to life experiences that you are encountering. I love the passages you shared. I’m going to go back and re-read them today:)

  8. Great insight, Jamal!

    I know this wasn’t about money, but there may be more of a connection than we have realized. Several years ago, in the craziness of the recession in 2008, the Lord guided us to use our dwindling investments to pay off our mortgage. To the natural mind, it made no sense. But God!

    The morning after the completion of the transaction was confirmed, I awoke with such a sense of freedom. It wasn’t just that we were now totally debt free. The reality of the phrase “owe no man but the debt of love” practically exploded in me. Somehow, as long as there was still the natural debt, my ability to love with abandon was constrained, because even if it was only in the background, I knew we still had that financial debt to pay off. Now, the constraints were completely removed, and I could “see” what I’d not been able to before – unending love.

    Even as I write this, I realize how much greater my revelation of Jesus’ love for me (not just through me) has been since that day in 2008! Glory to God!

    • Jamal Jivanjee May 12, 2014 at 5:13 pm


      Your comment is stunning and contains so much freedom on multiple levels. Thanks very much for sharing this:)

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