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Proverbs 10:22
The blessing of the LORD, it maketh rich, and he addeth no sorrow with it.

Proverbs 15:6
In the house of the righteousis much treasure: but in the revenues of the wicked is trouble.

Psalm 112:3
Wealth and richesshall be in his house: and his righteousness endureth for ever.

oil

Psalm 23:5
Thou preparest a table before me in the presence of mine enemies: thou anointest my head with oil; my cup runneth over.

Jeremiah 41:8
But ten men were found among them that said unto Ishmael, Slay us not: for we have treasures in the field, of wheat, and of barley, and of oil, and of honey. So he forbare, and slew them not among their brethren.

Matthew 25:3,4
They thatwere foolish took their lamps, and took no oil with them: …

but

Matthew 25:3,4,8
They thatwere foolish took their lamps, and took no oil with them: …

Luke 15:14
And when he had spent all, there arose a mighty famine in that land; and he began to be in want.

Luke 16:1,19-25
And he said also unto his disciples, There was a certain rich man, which had a steward; and the same was accused unto him that he had wasted his goods…

but a foolish man consumes them
In contrast, the foolish man squanders his resources. The term "foolish" in Proverbs often refers to someone who is morally deficient and lacks foresight. This behavior is short-sighted and self-destructive, as seen in the parable of the prodigal son (Luke 15:11-32), where the younger son wastes his inheritance. The consumption of treasures and oil implies a lack of self-control and discipline, traits that are condemned throughout Proverbs (Proverbs 13:18). This phrase serves as a warning against the dangers of indulgence and the failure to plan for the future. The foolish man's actions lead to poverty and ruin, contrasting sharply with the prosperity of the wise.

• Scripture pictures the wise person’s home as a place where valuable resources actually remain. The words “precious treasures and oil” speak of material provisions—items that were both staples and luxuries in ancient households. They are not merely symbols; they are the real, tangible fruit of prudent living.

• Wisdom chooses diligence over idleness and planning over impulse. “The plans of the diligent bring prosperity” (Proverbs 21:5), and “Great wealth is in the house of the righteous” (Proverbs 15:6).

• God Himself delights to bless wise stewardship. When we “honor the LORD with [our] wealth” He promises that “your barns will be filled with plenty and your vats will overflow with new wine” (Proverbs 3:9-10).

• Notice that the treasures are “in the dwelling.” The wise do not squander what God supplies; they store, protect, and deploy it for lasting good.Proverbs 30:25 praises the ant that “stores up its food in the summer,” showing that forethought and saving are traits of wisdom.

• Such provision also positions the wise to bless others.Proverbs 11:25 reminds us, “A generous soul will prosper,” and2 Corinthians 9:8 assures that God supplies “all you need, so that you will abound in every good work.” Prudent management becomes a platform for generosity.

• The contrast is stark. The fool has treasures too, but they do not stay long; he “consumes” them. The verb pictures reckless devouring—resources disappear as quickly as they arrive.

• Proverbs frequently links folly with waste: “He who loves pleasure will become poor” (Proverbs 21:17) and “Whoever chases fantasies lacks judgment” (Proverbs 12:11).

• The prodigal son illustrates this truth: “he squandered his wealth in wild living” (Luke 15:13). Foolish consumption leaves nothing for the future, nothing for others, and nothing to honor God.

• Behind the waste is a heart problem. Fools trust their appetites instead of the Lord. “A fool’s mouth is his ruin” (Proverbs 18:7). What begins as self-indulgence ends in emptiness.

• There is also a stewardship warning. Jesus says, “From everyone who has been given much, much will be required” (Luke 12:48). The fool ignores accountability, treating God’s gifts as personal playground rather than sacred trust.

Proverbs 21:20 draws a vivid line between wisdom and folly. Wisdom receives God’s gifts with gratitude, manages them with foresight, and retains them for ministry, family, and future needs. Folly grabs the same gifts and burns through them, leaving only regret. The verse invites us to walk in the prudence that stores up treasure, not for hoarding, but for steady usefulness to the glory of God and the good of others.