He that by usury and unjust gain increaseth his substance, he shall gather it for him that will pity the poor.
This proverb comes from ancient Israel's wisdom tradition, which took economic ethics very seriously. "Exorbitant interest" refers to excessive rates charged on loans — a practice that Old Testament law explicitly forbade, especially when lending to the poor (Leviticus 25:36–37). The proverb makes a striking observation: wealth built through exploitative financial practices is unstable. It doesn't stay with the one who accumulated it that way. Eventually, it ends up in the hands of someone who will actually be generous with it. There's an implied moral order here — a kind of long-game justice where resources find their way to better stewards, even when no human court enforces it.
Lord, I confess that I often think about money through the lens of scarcity rather than your abundance. Expose any way I've benefited at others' expense — even subtly — and give me a genuinely generous spirit. Help me hold what I have loosely, trusting that your economy works differently than mine. Amen.
Money is one of the most honest mirrors we own. Not because of how much of it we have, but because of how we think about it when no one is watching — when we're deciding whether to be fair or just barely legal, generous or quietly extractive. This proverb doesn't describe a dramatic villain. It describes something far more ordinary: the slow accumulation of small advantages taken at others' expense. And then it delivers a verdict that's almost darkly comic. All that careful hoarding? Built it for someone else. Before pointing this verse outward, it's worth sitting with it personally. The proverb isn't only about loan interest — it's about the logic underneath our financial decisions. Is your financial thinking rooted in scarcity and self-protection, or in something more open-handed? This isn't a guilt trip about being comfortable. It's a deeper question about what you believe money is *for* — and whether your habits actually match that belief. What would it look like to hold what you have a little more loosely this week?
The Bible's concern for economic justice runs all the way through the Old Testament — why do you think God cares so much about how wealth is gained, not just how it's used?
When you think about your own financial habits — how you spend, save, lend, or give — what values do they actually reflect, even if unintentionally?
This proverb implies a kind of natural moral order where exploitative wealth eventually moves to more generous hands. Do you believe that's true in real life? What's your honest reaction to that idea?
How does the way you handle money — your generosity, your fairness, your financial decisions at work — affect the people immediately around you?
Is there one financial habit or decision in your life right now that you'd want to examine in light of this proverb? What would a first step toward change look like?
If thou lend money to any of my people that is poor by thee, thou shalt not be to him as an usurer, neither shalt thou lay upon him usury.
Exodus 22:25
Wealth gotten by vanity shall be diminished: but he that gathereth by labour shall increase.
Proverbs 13:11
A good man leaveth an inheritance to his children's children: and the wealth of the sinner is laid up for the just.
Proverbs 13:22
For God giveth to a man that is good in his sight wisdom, and knowledge, and joy: but to the sinner he giveth travail, to gather and to heap up, that he may give to him that is good before God. This also is vanity and vexation of spirit.
Ecclesiastes 2:26
As the partridge sitteth on eggs, and hatcheth them not; so he that getteth riches, and not by right, shall leave them in the midst of his days, and at his end shall be a fool.
Jeremiah 17:11
He that hath pity upon the poor lendeth unto the LORD; and that which he hath given will he pay him again.
Proverbs 19:17
There is that scattereth, and yet increaseth; and there is that withholdeth more than is meet, but it tendeth to poverty.
Proverbs 11:24
An inheritance may be gotten hastily at the beginning; but the end thereof shall not be blessed.
Proverbs 20:21
He who increases his wealth by interest and usury (excessive interest) Gathers it for him who is gracious to the poor.
AMP
Whoever multiplies his wealth by interest and profit gathers it for him who is generous to the poor.
ESV
He who increases his wealth by interest and usury Gathers it for him who is gracious to the poor.
NASB
He who increases his wealth by exorbitant interest amasses it for another, who will be kind to the poor.
NIV
One who increases his possessions by usury and extortion Gathers it for him who will pity the poor.
NKJV
Income from charging high interest rates will end up in the pocket of someone who is kind to the poor.
NLT
Get as rich as you want through cheating and extortion, But eventually some friend of the poor is going to give it all back to them.
MSG