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Your gold and silver is cankered - Instead of helping the poor, and thus honoring God with your substance, ye have, through the principle of covetousness, kept all to yourselves.

The rust of them shall be a witness against you - Your putrefied stores, your moth-eaten garments, and your tarnished coin, are so many proofs that it was not for want of property that you assisted not the poor, but through a principle of avarice; loving money, not for the sake of what it could procure, but for its own sake, which is the genuine principle of the miser. This was the very character given to this people by our Lord himself; he called them φιλαργυροι, lovers of money. Against this despicable and abominable disposition, the whole of the 12th chapter of St. Luke is levelled; but it was their easily besetting sin, and is so to the present day.

Shall eat your flesh as it were fire - This is a very bold and sublime figure. He represents the rust of their coin as becoming a canker that should produce gangrenes and phagedenous ulcers in their flesh, till it should be eaten away from their bones.

Ye have heaped treasure together - This verse is variously pointed. The word ὡς, like as, in the preceding clause, is left out by the Syriac, and some others; and πυρ, fire, is added here from that clause; so that the whole verse reads thus: "Your gold and your silver is cankered; and the rust of them shall be a witness against you, and shall consume your flesh. Ye have treasured up Fire against the last days." This is a bold and fine image: instead of the treasures of corn, wine, and oil, rich stuffs, with silver and gold, which ye have been laying up, ye shall find a treasure, a magazine of fire, that shall burn up your city, and consume even your temple. This was literally true; and these solemn denunciations of Divine wrath were most completely fulfilled. See the notes on Matthew 24 (note), where all the circumstances of this tremendous and final destruction are particularly noted.

By the last days we are not to understand the day of judgment, but the last days of the Jewish commonwealth, which were not long distant from the date of this epistle, whether we follow the earlier or later computation, of which enough has been spoken in the preface.

Your gold and silver is cankered - That is, that you have heaped together, by injustice and fraud, a large amount, and have kept it from those to whom it is due, James 5:4, until it has become corroded. The word rendered is “cankered” ( κατίωται katiōtaidoes not occur elsewhere in the New Testament. It properly means “to cause to rust; to rust out” (Passow); “to be corroded with rust” (Robinson); to be spotted with rust. It is true that gold and silver do not properly rust, or become oxidized, and that they will not be corroded like iron and steel; but by being kept long in a damp place they will contract a dark color, resembling rust in appearance. This seems to be the idea in the mind of the apostle. He speaks of gold and silver as they appear after having been long laid up without use; and undoubtedly the word which he uses here is one which would to an ancient have expressed that idea, as well as the mere literal idea of the rusting or oxidizing of metals. There is no reason to suppose that the word was then used in the strict chemical sense of rusting, for there is no reason to suppose that the nature of oxidization was then fully understood.

And the rust of them - Another word is used here - ἰὸς iosThis properly denotes something sent out or emitted, (from ἕημι hēmi ), and is applied to a missile weapon, as an arrow; to poison, as emitted from the tooth of a serpent; and to rust, as it seems to be emitted from metals. The word refers to the dark discoloration which appears on gold and silver, when they have remained long without use.

Shall be a witness against you - That is, the rust or discoloration shall bear testimony against you that the money is not used as it should be, either in paying those to whom it is due, or in doing good to others. Among the ancients, the gold and silver which anyone possessed was laid up in some secret and safe place. Compare the notes at Isaiah 45:3. There were no banks then in which money might be deposited; there were few ways of investing money so as to produce regular interest; there were no corporations to employ money in joint operations; and it was not very common to invest money in the purchase of real estate, and stocks and mortgages were little known.

And shall eat your flesh as it were fire - This cannot be taken literally. It must mean that the effect would be as if it should corrode or consume their very flesh; that is, the fact of their laying up treasures would be followed by painful consequences. The thought is very striking, and the language in which it is conveyed is singularly bold and energetic. The effect of thus heaping up treasure will be as corroding as fire in the flesh. The reference is to the punishment which God would bring on them for their avarice and in-justice - effects that will come on all now for the same offences.

Ye have heaped treasure together for the last days - The day of judgment; the closing scenes of this world. You have been heaping up treasure; but it will be treasure of a different kind from what you have supposed. It is treasure not laid up for ostentation, or luxury, or use in future life, but treasure the true worth of which will be seen at the judgment-day. So Paul speaks of “treasuring up wrath against the day of wrath, and revelation of the righteous judgment of God,” Romans 2:5. There are many who suppose they are accumulating property that may be of use to them, or that may secure them the reputation of possessing great wealth, who are in fact accumulating a most fearful treasure against the day of final retribution. Every man who is rich should examine himself closely to see whether there is anything in the manner in which he has gained his property, or in which he now holds it, that will expose him to the wrath of God in the last day. That on which he so much prides himself may yet bring down on him the vengeance of heaven; and in the day of judgment he may curse his own madness and folly in wasting his probation in efforts to amass property.

Why are we not more wide-awake? Each worker may now understand his special work, and receive strength to take hold of it anew. Distinct and peculiar developments of the boundless glory of God will bring tributary offerings of varied kinds to the feet of Jesus. Every new disclosure of the Saviour's love turns the balance for some soul in one direction or the other. The end of all things is at hand. The men of the world are rushing on to their ruin. Their schemes, their confederacies, are many. New devices will continually be brought in to make of no effect the counsel of God. Men are heaping up treasures of gold and silver to be consumed by the fires of the last days.—The Review and Herald, June 2, 1903. CM 17.1

The Lord Calls for Many—The new year is just before us, and plans should be laid for earnest, persevering effort in the Master's service. There is much to be done to advance the work of God. I have been instructed that the canvassing work is to be revived, and that it is to be carried forward with increasing success. It is the Lord's work, and a blessing will attend those who engage in it with earnestness and diligence.—The Review and Herald, January 20, 1903. CM 17.2

The Lord calls for many more to engage in the canvassing work.... For Christ's sake, my brethren and sisters, make the most of the hours of the new year to place the precious light of present truth before the people. The Angel of the covenant is empowering His servants to carry the truth to all parts of the world. He has sent forth His angels with the message of mercy; but, as if they did not speed on their way fast enough to satisfy His heart of yearning love, He lays on every member of His church the responsibility of proclaiming this message. “Let him that heareth say, Come.” Every member of the church is to show his loyalty by inviting the thirsty to drink of the water of life. A chain of living witnesses is to carry the invitation to the world. Will you act your part in this great work? CM 18.1

Ministers should not use flattery or be respecters of persons. There ever has been, and still is, great danger of erring here, of making a little difference with the wealthy, or flattering them by special attention, if not by words. There is danger of “having men's persons in admiration” for the sake of gain, but in doing this their eternal interests are endangered. The minister may be the special favorite of some wealthy man, and he may be very liberal with him; this gratifies the minister, and he in turn lavishes praise upon the benevolence of his donor. His name may be exalted by appearing in print, and yet that liberal donor may be entirely unworthy of the credit given him. His liberality did not arise from a deep, living principle to do good with his means, to advance the cause of God because he appreciated it, but from some selfish motive, a desire to be thought liberal. He may have given from impulse and his liberality have no depth of principle. He may have been moved upon by listening to stirring truth which for the time being loosed his purse strings; yet, after all, his liberality has no deeper motive. He gives by spasms; his purse opens spasmodically and closes just as securely spasmodically. He deserves no commendation, for he is in every sense of the word a stingy man, and unless thoroughly converted, purse and all, will hear the withering denunciation: “Go to now, ye rich men, weep and howl for your miseries that shall come upon you. Your riches are corrupted, and your garments are moth-eaten.” Such will awake at last from a horrible self-deception. Those who praised their spasmodic liberalities helped Satan to deceive them and make them think that they were very liberal, very sacrificing, when they knew not the first principles of liberality or self-sacrifice. 1T 475.1

Some men and women make themselves believe that they do not consider the things of this world of much value, but prize the truth and its advancement higher than any worldly gain. Many will awake at last to find that they have been deceived. They may have once appreciated the truth, and earthly treasures in comparison with truth may have appeared to them valueless; but after a time, as their worldly treasure increased, they became less devotional. Although they have enough for a comfortable sustenance, yet all their acts show that they are in nowise satisfied. Their works testify that their hearts are bound up in their earthly treasure. Gain, gain, is their watchword. To this end every member of the family participates in their labor. They give themselves scarcely any time for devotion or for prayer. They work early and late. Sickly, diseased women and feeble children whip up their flagging ambition and use up the vitality and strength they have to reach an object, to gain a little, make a little more money. They flatter themselves that they are doing this that they may help the cause of God. Terrible deception! Satan looks on and laughs for he knows that they are selling soul and body through their lust for gain. They are continually making flimsy excuses for thus selling themselves for gain. They are blinded by the god of this world. Christ has bought them by His own blood; but they rob Christ, rob God, tear themselves to pieces, and are almost useless in society. 1T 476.1

They devote but little time to the improvement of the mind, and but little time to social or domestic enjoyment. They are of but little benefit to anyone. Their lives are a terrible mistake. Those who thus abuse themselves feel that their course of unremitting labor is praiseworthy. They are destroying themselves by their presumptuous labor. They are marring the temple of God by continually violating the laws of their being through excessive labor, and yet they think it a virtue. When God calls them to account, when He requires of them the talents He has lent them, with usury, what can they say? What excuse can they make? Were they heathen who know nothing of the living God, and in their blind idolatrous zeal throw themselves under the car of Juggernaut, their cases would be more tolerable. But they had the light, they had warning upon warning to preserve their bodies, which God calls His temple, in as healthy a condition as possible that they might glorify Him in their bodies and spirits, which are His. The teachings of Christ they disregarded: “Lay not up for yourselves treasures upon earth, where moth and rust doth corrupt, and where thieves break through and steal: but lay up for yourselves treasures in heaven, where neither moth nor rust doth corrupt, and where thieves do not break through nor steal. For where your treasure is, there will your heart be also.” They let worldly cares entangle them. “But they that will be rich fall into temptation and a snare, and into many foolish and hurtful lusts, which drown men in destruction and perdition.” They worship their earthly treasure, as the ignorant heathen does his idols. 1T 476.2

God in His providence has moved upon the hearts of some of those who have riches, and has converted them to the truth, that they with their substance may assist to keep His work moving. And if those who are wealthy will not do this, if they do not fulfill the purpose of God, He will pass them by, and raise up others to fill their place who will fulfill His purpose, and with their possessions gladly distribute to meet the necessities of the cause of God. In this they will be first. God will have those in His cause who will do this. 1T 174.1

He could send means from heaven to carry on His work; but this is out of His order. He has ordained that men should be His instruments, that as a great sacrifice was made to redeem them, they should act a part in this work of salvation, by making a sacrifice for one another, and by thus doing show how highly they prize the sacrifice that has been made for them. 1T 174.2

I was directed to James 5:1-3: “Go to now, ye rich men, weep and howl for your miseries that shall come upon you. Your riches are corrupted, and your garments are moth-eaten. Your gold and silver is cankered; and the rust of them shall be a witness against you, and shall eat your flesh as it were fire. Ye have heaped treasure together for the last days.” 1T 174.3

Riches bring with them great responsibilities. To obtain wealth by unjust dealing, by overreaching in trade, by oppressing the widow and the fatherless, or by hoarding up riches and neglecting the wants of the needy, will eventually bring the just retribution described by the inspired apostle: “Go to now, ye rich men, weep and howl for your miseries that shall come upon you. Your riches are corrupted, and your garments are moth-eaten. Your gold and silver is cankered; and the rust of them shall be a witness against you, and shall eat your flesh as it were fire. Ye have heaped treasure together for the last days. Behold, the hire of the laborers who have reaped down your fields, which is of you kept back by fraud, crieth: and the cries of them which have reaped are entered into the ears of the Lord of Sabaoth.” 2T 682.1

The humblest and poorest of the true disciples of Christ, who are rich in good works, are more blessed and more precious in the sight of God than the men who boast of their great riches. They are more honorable in the courts of heaven than the most exalted kings and nobles who are not rich toward God. 2T 682.2

The apostle Paul exhorted Timothy to charge the rich: “Charge them that are rich in this world, that they be not high-minded, nor trust in uncertain riches, but in the living God, who giveth us richly all things to enjoy; that they do good, that they be rich in good works, ready to distribute, willing to communicate; laying up in store for themselves a good foundation against the time to come, that they may lay hold on eternal life.” This admonition is applicable to you, Brother N, and to very many who profess to believe the truth for these last days. 2T 682.3