Believe it or not the above question has an incredibly simple answer, but the things you have to understand to grasp it are not so easy. Let us start with a question.
“Come now, you rich, weep and howl for your miseries that are coming upon you! Your riches are corrupted, and your garments are moth-eaten. Your gold and silver are corroded, and their corrosion will be a witness against you and will eat your flesh like fire. You have heaped up treasure in the last days.” James 5:1-3.