What The Bible Says About Money Explained Clearly
Table of Contents
- Biblical Foundations on Wealth and Possessions: Divine Provision and Stewardship
- Ownership Versus Trust: Genesis 13:2 and Deuteronomy 8:18 on Divine Provision
- Comparative Analysis of Key Passages on Wealth and Stewardship
- Money as a Tool for Righteousness: Proverbs 10:22 and Mosaic Wealth Management
- Progression of Biblical Views on Money: From Tithe to Almsgiving
- Money as a Test of Faith and Trust in Scripture
- Jesus’ Teachings on Wealth as a Spiritual Barrier
- 1 Timothy 6:10: The Three-Stage Corruption of Greed
- James 4:13-15: The Tension Between Human Planning and Divine Sovereignty
- Lesser-Known Biblical Figures and Their Responses to Money
- Generosity, Tithing, and Almsgiving in Scripture
- Timeline of Biblical Tithing Laws and Jesus’ Reinterpretation
- Generosity as Spiritual Harvest: A Biblical Framework for Giving
- Visual Metaphor for the "Storehouse" in Malachi 3:10
- Thematic Hierarchy of Almsgiving in Scripture
- Money and the Early Church: Community and Sharing
- Economic Model of the Jerusalem Church: Acts 2:44–45 and Acts 4:32–35
- Paul’s Systematic Giving: The Collection for the Poor
- Money as a Moral Litmus Test: Ananias and Sapphira
- FAQ
- What does the Bible say about the dangers of greed and how money can lead to spiritual harm?
- How does the Bible view wealth, and does it ever approve of being rich?
- What principles does the Bible give for handling money in a marriage?
- What biblical guidelines exist for wise money management and stewardship?
- Does the Bible allow lending money, and what rules does it set for loans?
- What are the core teachings of the Bible about money and our relationship with it?
The Bible presents money not merely as a tool for transaction but as a profound reflection of faith, stewardship, and divine purpose. From Genesis to Revelation, scriptural teachings on wealth reveal a tension between human ambition and spiritual devotion, where possessions are framed as tests of trust and platforms for generosity. Whether through parables of the Rich Young Ruler or the communal sharing of the early Church, financial principles intertwine with moral and theological imperatives, challenging believers to align material priorities with eternal values. This exploration examines how biblical wisdom on money—rooted in ownership, tithing, and almsgiving—offers timeless guidance for navigating prosperity, scarcity, and ethical responsibility in modern contexts.
Central to this discourse are foundational texts that redefine material wealth as an extension of divine stewardship. The Old Testament establishes frameworks for managing abundance through tithes and offerings, while Jesus’ teachings dismantle the illusion of security in earthly riches, redirecting focus toward kingdom values. The early Church’s radical economic model, built on mutual aid and systematic giving, further illustrates how faith transforms material resources into instruments of communal flourishing. By synthesizing historical practices with contemporary dilemmas—such as greed, generosity, and systemic inequality—this analysis bridges ancient wisdom and modern application, revealing how biblical financial ethics remain relevant in an era of global economic disparity.

Biblical Foundations on Wealth and Possessions: Divine Provision and Stewardship
The Bible presents wealth and possessions as complex themes intertwined with human responsibility, divine trust, and ethical conduct. From the earliest narratives in Genesis to the practical teachings of the New Testament, Scripture frames material resources as tools for reflecting God’s provision while warning against idolatry or misplaced priorities. Central to this discourse is the tension between ownership and stewardship—whether wealth is viewed as personal entitlement or a sacred trust to be managed for God’s glory. This exploration examines foundational passages, comparative analyses of Old and New Testament perspectives, and practical applications rooted in ancient Israelite practices and early Christian ethics.
Ownership Versus Trust: Genesis 13:2 and Deuteronomy 8:18 on Divine Provision
The biblical narrative introduces wealth as an extension of God’s sovereignty over creation, beginning with Abraham’s accumulation of livestock (Genesis 13:2), which symbolizes divine blessing rather than human achievement.
"The Lord had made Abram very wealthy in livestock, silver, and gold." (Genesis 13:2, NIV)
This verse establishes a pattern: material prosperity originates from God’s favor, not human effort alone. Similarly, Deuteronomy 8:18 reinforces this by linking wealth to obedience and divine sustenance:
"But remember the Lord your God, for it is he who gives you the ability to produce wealth..." (Deuteronomy 8:18, NIV)
Here, possessions are not ends in themselves but evidence of God’s covenant faithfulness. The contrast between ownership (legal possession) and trust (divine delegation) underscores a stewardship ethic: Israelites were to recognize their wealth as temporary custodianship, accountable to God’s purposes.
Comparative Analysis of Key Passages on Wealth and Stewardship
The following table synthesizes core biblical teachings on money, juxtaposing Old and New Testament principles with their historical contexts and modern implications. Each passage reflects evolving theological priorities while maintaining a consistent call to ethical engagement with resources.
| Scripture Reference | Key Principle | Historical Context | Modern Application |
|---|---|---|---|
| Genesis 13:2 | Wealth as divine blessing and covenant sign. | Abraham’s separation from Lot (Genesis 13) illustrates God’s provision as a test of faith and generosity, not accumulation. | Material success should prompt gratitude and sharing, not entitlement or hoarding. |
| Deuteronomy 8:18 | Wealth as a test of obedience and trust in God. | Mosaic law frames prosperity as conditional on fidelity to the covenant, with warnings against self-sufficiency (Deuteronomy 8:11–14). | Financial stability must not replace dependence on God; generosity becomes a litmus test for spiritual health. |
| Matthew 6:19–21 | Prioritizing heavenly treasure over earthly wealth. | Jesus’ Sermon on the Mount (Matthew 5–7) critiques materialism in a Roman Empire where wealth equated to status. | Investments in eternal values (e.g., charity, discipleship) outweigh temporary possessions. |
| Luke 12:15 | Warning against greed as a spiritual danger. | First-century Jewish audiences faced economic disparities; Jesus’ parable of the rich fool (Luke 12:16–21) condemns greed as idolatry. | Financial planning must align with ethical limits, avoiding exploitation or excessive desire. |
Money as a Tool for Righteousness: Proverbs 10:22 and Mosaic Wealth Management
Proverbs 10:22 presents wealth as a neutral instrument that either facilitates righteousness or corrupts the heart:
"The blessing of the Lord brings wealth, without painful toil for it." (Proverbs 10:22, NIV)
This verse contrasts divine provision (blessing) with human effort, implying that wealth is most meaningful when used for God’s purposes. Ancient Israelites operationalized this through:
These practices demonstrate that wealth management in Israel was not merely transactional but sacred—a system designed to prevent exploitation and foster dependence on God. For example, the Jubilee year’s debt cancellation (Leviticus 25:10) reflects a radical rejection of economic inequality, a principle still relevant in debates on wealth redistribution today.
Progression of Biblical Views on Money: From Tithe to Almsgiving
The following flowchart traces the evolution of biblical teachings on money, highlighting shifts from ritual obligation to relational generosity. Each stage reflects broader theological themes: covenant fidelity (Old Testament) and love-driven stewardship (New Testament).```
START
│
├─ Old Testament Era (1400–400 BCE)
│ ├─ Tithe (Leviticus 27:30): Mandatory 10% for temple support; emphasis on ritual purity and communal provision.
│ ├─ Offerings (Exodus 35:21–29): Voluntary gifts for tabernacle construction, demonstrating sacrificial generosity.
│ └─ Jubilee (Leviticus 25): Economic equity as a divine mandate, limiting wealth accumulation.
│
├─ Intertestamental Period (400 BCE–1 CE)
│ └─ Pharisaic Practices: Expanded tithing to include herbs, wine, and even thoughts (Matthew 23:23), sometimes overshadowing justice.
│
└─ New Testament Era (1–100 CE)
├─ Almsgiving (Luke 11:41): Generosity as inward purification, linked to righteousness.
├─ Provision for the Poor (Acts 2:44–45): Early church’s communal sharing (e.g., Jerusalem’s "common purse").
├─ Radical Generosity (Mark 12:41–44): The widow’s mite exemplifies sacrificial giving over quantity.
└─ Love as Motivation (2 Corinthians 9:7): Cheerful giving stems from love, not obligation.
END
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Key Observations:

Money as a Test of Faith and Trust in Scripture
The relationship between wealth and spiritual devotion is a recurring theme in Scripture, where material possessions are not merely economic tools but moral and theological indicators. Jesus’ teachings explicitly frame financial resources as a litmus test for faith, revealing whether individuals prioritize divine trust over earthly security. This dynamic extends beyond theoretical warnings—it manifests in parables, apostolic exhortations, and the lived testimonies of biblical figures whose responses to money reflect deeper theological truths.The tension between human ambition and divine sovereignty is particularly evident in passages where Jesus and the apostles confront greed, planning, and attachment to wealth. These interactions underscore a core biblical principle: money is not inherently evil, but its misuse distorts priorities, obscures trust in God’s provision, and exposes the fragility of human security.
Jesus’ Teachings on Wealth as a Spiritual Barrier
Jesus’ warnings about wealth are among the most direct in the Gospels, positioning material abundance as a formidable obstacle to discipleship. In Mark 10:23-25 and Matthew 19:23-24, He declares that entering the kingdom of God is easier for a camel to pass through the eye of a needle than for a rich person to enter—language that underscores the near-impossibility of reconciling unchecked wealth with radical devotion. This statement is not a condemnation of prosperity but a recognition of how attachment to possessions can blind individuals to spiritual realities.The parable of the Rich Young Ruler (Mark 10:17-22) illustrates this tension. The man, though morally upright by worldly standards, struggles to surrender his wealth, revealing that even righteousness without detachment from material security falls short of true discipleship. Jesus’ response—"Go, sell everything you have and give to the poor"—is not a universal call to poverty but a challenge to prioritize eternal values over temporal ones. The young ruler’s departure (Mark 10:22) symbolizes the broader biblical truth: wealth, when unchecked, becomes a competitor for the heart’s allegiance.
1 Timothy 6:10: The Three-Stage Corruption of Greed
The apostle Paul’s warning in 1 Timothy 6:10 distills the destructive cycle of greed into a concise yet profound cause-and-effect framework:> "For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs."
This verse can be analyzed as a three-step progression:
1. Desire: Greed begins with an excessive fixation on wealth, not merely as a means of provision but as an end in itself. This desire distorts priorities, replacing trust in God with reliance on accumulation.
2. Corruption: The pursuit of wealth erodes moral and spiritual integrity, leading to ethical compromises, exploitation, or idolatry. Paul notes that this corruption extends beyond personal vice—it can distort communal faith, as seen in the prosperity gospel controversies of modern Christianity.
3. Ruin: The culmination is self-inflicted suffering, where the very things sought (security, status, or power) become sources of grief. Historical examples, such as the fall of King Ahab (1 Kings 21) or the downfall of Judas Iscariot (John 12:6), demonstrate how greed’s end is often isolation and moral collapse.
Paul’s warning is not anti-capitalist but a call to stewardship—recognizing that money’s true purpose is to serve God and others, not the other way around.
James 4:13-15: The Tension Between Human Planning and Divine Sovereignty
James’ epistle confronts the human tendency to treat life as a self-contained project, where financial security is achieved through meticulous planning. In James 4:13-15, he exposes the folly of this mindset:> "Now listen, you who say, ‘Today or tomorrow we will go to this or that city, spend a year there, carry on business and make money.’ Why, you do not even know what will happen tomorrow. What is your life? You are a mist that appears for a little while and then vanishes. Instead, you ought to say, ‘If it is the Lord’s will, we will live and do this or that.’"
This passage highlights three key tensions:
For modern believers, this passage challenges the cultural obsession with financial independence as a measure of success. True security lies not in portfolios or savings accounts but in alignment with God’s will, even in uncertainty.
Lesser-Known Biblical Figures and Their Responses to Money
While figures like Zacchaeus and the Widow’s Mite are familiar, other biblical characters offer nuanced examples of how money tested—and transformed—their faith. Below are three lesser-discussed interactions with wealth, compared to contemporary financial dilemmas:| Biblical Figure | Financial Interaction | Modern Parallel | Spiritual Lesson |
|---|---|---|---|
| Gehazi (2 Kings 5:20-27) | Naaman’s servant, who lies to secure silver and garments for himself after healing Naaman. His greed leads to leprosy—a divine judgment. | Conflict of Interest in Ministry: Pastors or nonprofits facing pressure to "bless" donors with material rewards in exchange for financial support. | Integrity Over Opportunity: Gehazi’s downfall illustrates how exploiting spiritual influence for personal gain corrupts both the messenger and the message. Modern parallels include ethical dilemmas in charitable giving or corporate sponsorships of religious institutions. |
| Ananias and Sapphira (Acts 5:1-11) | Couple who lied about donating their land’s full value to the early church, leading to their deaths. Their deception was not about poverty but control—they retained part of the proceeds. | Tax Evasion or Hidden Assets: Individuals or businesses underreporting income to avoid tithing or charitable obligations, or hiding assets to manipulate estate distributions. | Transparency as Worship: Ananias and Sapphira’s sin was not poverty but deception in generosity. Their story warns against treating giving as a transaction rather than an act of surrender. Modern applications include ethical accounting in nonprofits or corporate philanthropy. |
| Joseph of Arimathea (Matthew 27:57-60) | A wealthy disciple who used his resources to bury Jesus’ body, demonstrating quiet stewardship without fanfare. | Philanthropy Without Publicity: High-net-worth individuals who donate anonymously (e.g., MacKenzie Scott’s private giving) or businesses funding causes without branding. | Sacrificial Stewardship: Joseph’s act contrasts with the Pharisees’ hypocrisy (Matthew 23:27). His wealth was a tool for humble service, not status. Modern parallels include ethical debates over "impact investing" or whether wealth should be deployed for social good without personal recognition. |
Generosity, Tithing, and Almsgiving in Scripture
The biblical perspective on money extends beyond stewardship and trust, emphasizing generosity as a sacred duty and a means of spiritual multiplication. Generosity in Scripture is not merely an act of philanthropy but a reflection of faith, obedience, and divine partnership. Tithing, almsgiving, and broader acts of charity are framed as responses to God’s provision, tests of heart posture, and catalysts for spiritual harvest. This section explores the evolution of tithing from Old Testament law to New Testament reinterpretation, the principles of generosity tied to divine reward, and the transformative power of almsgiving in early Christian communities.Timeline of Biblical Tithing Laws and Jesus’ Reinterpretation
The practice of tithing originated in the Mosaic Law as a structured system of financial devotion, later reinterpreted by Jesus to emphasize the spirit over legalistic adherence. Below is a comparative analysis of Old Testament tithing laws, Jesus’ teachings, and modern Christian practices, presented in a structured table for clarity.Context for the Table:
Tithing in the Old Testament was a threefold system: agricultural tithes (Leviticus 27:30-32), festival tithes (Deuteronomy 14:22-29), and tithes for the Levites (Numbers 18:21-24). Jesus did not abolish tithing but redirected its focus toward justice, mercy, and righteousness (Matthew 23:23). Modern interpretations often blend legalistic tithe observance with voluntary generosity, emphasizing relational and missional giving.
| Law (Old Testament) | Jesus’ View (New Testament) | Modern Practice |
|---|---|---|
Leviticus 27:30-32: "A tithe of everything from the land, whether grain from the soil or fruit from the trees, belongs to the Lord." Mandatory 10% of agricultural produce, given to the Levites and priests as support for temple worship. |
Matthew 23:23: "You give a tenth of your spices—mint, dill and cumin. But you have neglected the more important matters of the law—justice, mercy and faithfulness." Tithing is valid but secondary to ethical living and love for others. Jesus critiques hypocrisy in giving while neglecting core virtues. |
Many Christian denominations teach tithing (10% of income) as a biblical standard, often tied to church support. Contemporary practices vary:
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Malachi 3:8-10: "Will a man rob God? Yet you rob Me by withholding tithes and offerings... Bring the whole tithe into the storehouse, that there may be food in My house." Tithing as a covenant with God, with blessings promised for obedience and curses for disobedience. |
Luke 6:38: "Give, and it will be given to you. A good measure, pressed down, shaken together and running over, will be poured into your lap." Generosity is reciprocated by God, but the focus shifts from legalistic compliance to trust in divine provision. |
Modern interpretations often emphasize:
|
Generosity as Spiritual Harvest: A Biblical Framework for Giving
The apostle Paul’s teaching in 2 Corinthians 9:6-9 establishes generosity as a divine principle where sowing seeds of financial support yields a supernatural harvest. This passage underscores that giving is not about deprivation but partnership with God’s work, yielding blessings that transcend material wealth.Key Principles from 2 Corinthians 9:6-9:
Step-by-Step Guide to Designing a Personal Giving Plan
To align giving with biblical principles, follow this structured approach:
1. Assess Financial Capacity
2. Define Giving Categories
3. Set Specific Goals
4. Monitor and Adjust
5. Practice Gratitude and Accountability
Quote for Reflection:
"Generosity is not an act of charity but a spiritual discipline that trains the heart to trust God’s promises over human limitations."
Visual Metaphor for the "Storehouse" in Malachi 3:10
Malachi 3:10 describes the storehouse as a place where tithes and offerings are brought to ensure God’s house is supplied. This metaphor transcends a physical treasury and symbolizes both material and spiritual abundance.Material Abundance:
Spiritual Abundance:
Visual Description:
Imagine a multi-tiered granary with:
This metaphor challenges believers to view giving not as a transaction but as participation in God’s eternal economy, where every offering becomes a seed for a greater harvest.
Thematic Hierarchy of Almsgiving in Scripture
Almsgiving
Money and the Early Church: Community and Sharing
The economic practices of the early Christian community in the Book of Acts reveal a radical departure from contemporary models of wealth accumulation and individualism. The Jerusalem church, in particular, embodied a collective ethos where possessions were viewed as tools for mutual support rather than personal aggrandizement. This subtopic examines the communal economic structures described in Acts, contrasts them with modern capitalist frameworks, and explores Paul’s systematic approach to financial stewardship within the church. Additionally, it analyzes how money became a moral litmus test in early Christian communities, with consequences for those who violated trust, and compares ancient sharing economies with modern faith-based initiatives.Economic Model of the Jerusalem Church: Acts 2:44–45 and Acts 4:32–35
The early Christian community in Jerusalem operated under a decentralized yet highly cooperative economic model, where private property existed but was subordinated to communal needs. Acts 2:44–45 describes believers as holding "all things in common," including possessions, while Acts 4:32–35 elaborates on this practice, stating that no one claimed ownership of personal property but instead distributed resources based on necessity. This system was not a rejection of private ownership but a voluntary surrender of economic autonomy for the sake of collective welfare, reflecting the principles of koinonia (fellowship) and agape (selfless love).The following table contrasts this model with modern capitalist structures, highlighting its challenges and contemporary parallels:
| Resource | Early Church Practice | Challenges | Modern Parallels |
|---|---|---|---|
| Property Ownership | Voluntary pooling of resources; no individual hoarding (Acts 4:34–35). |
|
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| Distribution of Wealth | Need-based allocation by the apostles (Acts 6:1–7). |
|
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| Labor and Contribution | All members contributed based on ability (Acts 4:34: "as any had need"). |
|
|
| Leadership Accountability | Apostolic oversight with transparency (Acts 6:1–6). |
|
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Paul’s Systematic Giving: The Collection for the Poor
While the Jerusalem church practiced spontaneous sharing, Paul introduced a structured, church-wide system of financial support to address poverty among Jewish believers displaced by persecution. His instructions in 1 Corinthians 16:1–4 and 2 Corinthians 8–9 outline a multi-phase process:1. Local Collection (1 Corinthians 16:1–2)
Paul directs churches to set aside funds weekly on the first day of the week (likely Sunday, the Lord’s Day), demonstrating regularity and intentionality. This contrasts with ad-hoc giving and establishes a disciplined habit of stewardship.
2. Designation of Trusted Messengers (1 Corinthians 16:3–4)
Paul appoints Achaicus and others to transport the collection to Jerusalem, ensuring security and accountability. The process involves:
3. Theological Framework (2 Corinthians 8–9)
Paul frames giving as an act of partnership in the gospel (2 Corinthians 8:4) and seedtime harvest (2 Corinthians 9:6–10), emphasizing:
"Now he who supplies seed to the sower and bread for food will also supply and increase your store of seed and will enlarge the harvest of your righteousness." —2 Corinthians 9:10 (ESV)This system addressed immediate needs while fostering unity across diverse churches (e.g., Gentile collections for Jewish brothers, Galatians 2:10). The collection’s success (Romans 15:25–28) demonstrates how structured generosity can bridge cultural and economic divides.
Money as a Moral Litmus Test: Ananias and Sapphira
The incident of Ananias and Sapphira (Acts 5:1–11) serves as a stark warning against deception in financial matters, illustrating how money became a test of integrity and trust within the early church. Their offense was not merely withholding money but pretending to give fully while secretly retaining part of the proceeds. This act violated two principles:1. Transparency: The church’s economic life required open disclosure (Acts 4:32).
2. Honesty before God: Their lie was directed at the Holy Spirit (Acts 5:3–4), not just the apostles.
The severity of their punishment—sudden death—reflects the sacred nature of communal trust. While this passage is often debated theologically, it underscores the church’s expectation that financial dealings must align with covenantal fidelity. Modern parallels include:
The case also highlights the spiritual consequences of greed: Ananias and Sapphira’s hoarding (Acts 5:1) contrasts with Barnabas’ selling property to support the church (
Money, when viewed through the lens of Scripture, transcends its role as a mere commodity to become a mirror of one’s relationship with God and humanity. The biblical narrative consistently underscores that wealth is neither a curse nor an unqualified blessing but a stewardship entrusted for the sake of righteousness, trust, and service. From the parables of Jesus to the communal economy of the early Church, the message is clear: true prosperity is measured not by accumulation but by generosity, humility, and alignment with divine purpose. As modern believers grapple with financial systems that often prioritize individual gain over collective well-being, the timeless principles of Scripture offer a countercultural framework—one that challenges excess, celebrates sacrifice, and redefines success through the lens of eternal impact. Ultimately, the Bible’s teachings on money invite a paradigm shift, urging a reorientation from ownership to stewardship, from security to faith, and from abundance to shared blessing.
FAQ
What does the Bible say about the dangers of greed and how money can lead to spiritual harm?
The Bible warns that greed is idolatry (Colossians 3:5) and a root of evil (1 Timothy 6:10). Jesus taught that loving money over God leads to spiritual ruin (Matthew 6:24). Proverbs 15:27 also links greed to trouble, urging contentment instead.
How does the Bible view wealth, and does it ever approve of being rich?
The Bible acknowledges wealth (e.g., Job 1:3, 1 Timothy 6:17) but cautions against trusting it (Matthew 6:19–21) or using it unjustly. Jesus praised the rich who help the poor (Mark 12:41–44) but condemned greed (Luke 12:15). True wealth is measured by generosity and eternal values (Proverbs 11:24).
What principles does the Bible give for handling money in a marriage?
Couples should manage money transparently and with mutual agreement (Proverbs 31:11–12, 1 Corinthians 7:3–5). Proverbs 19:14 warns against a wife of "quarrelsome spirit" over finances, while 1 Peter 3:7 urges husbands to honor wives equally in financial matters. Generosity and stewardship (Malachi 3:10) are key.
What biblical guidelines exist for wise money management and stewardship?
The Bible teaches to plan ahead (Proverbs 6:6–8), avoid debt (Proverbs 22:7), and give generously (2 Corinthians 9:6–7). Jesus’ parable of the talents (Matthew 25:14–30) emphasizes faithfulness with resources. Proverbs 21:20 advises storing wealth wisely for future needs.
Does the Bible allow lending money, and what rules does it set for loans?
The Bible permits lending (Proverbs 22:7) but forbids charging interest to fellow Israelites (Exodus 22:25–27, Leviticus 25:35–37). Jesus upheld this principle (Matthew 5:42) while allowing business loans (Deuteronomy 23:19–20). Justice and compassion must guide financial transactions (Psalm 15:5).
What are the core teachings of the Bible about money and our relationship with it?
The Bible frames money as a test of trust in God (Matthew 6:33), urging generosity (2 Corinthians 9:7) and rejection of greed (Hebrews 13:5). It calls believers to steward resources for God’s kingdom (Luke 16:10–12) and help the poor (Proverbs 19:17). True wealth is serving others (1 John 3:17).
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