In verses 19–24 we find a cluster of three sayings, which Matthew uses to develop the theme of a life with one focus. The cluster begins with a saying on treasures in verses 19–21 (cf. Luke 12:33–34), which builds on the reward motif in 6:1–18. As he does throughout the sermon, Jesus makes his point by contrasting one thing with another. One kind of treasure is a chest full of earthly goods, such as clothing and precious metals. The problem with this