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In this sermon, it is argued that all financial decisions are ultimately spiritual ones, serving as a "thermometer" or "dashboard" that reveals the true condition of a person's heart. Drawing on biblical examples like Zacchaeus and the early church in Acts, the sermon explains that money is a powerful tool that tests a believer's trust, contentment, and priorities. It emphasizes that generosity is not a result of having surplus wealth but is a byproduct of a heart transformed by the grace of Jesus. Ultimately, the message challenges the congregation to examine their spending and saving habits to see if they reflect a life where Jesus is the greatest treasure, reminding them that "where your treasure is, there your heart will be also."