Passage
So is he that layeth up treasure for himself and is not rich towards God.
Luke 12:21 (DRB)
Nearby Context
Luke 12:19 And I will say to my soul: Soul, thou hast much goods laid up for many years. Take thy rest: eat, drink, make good cheer.
Luke 12:20 But God said to him: Thou fool, this night do they require thy soul of thee. And whose shall those things be which thou hast provided?
Luke 12:21 So is he that layeth up treasure for himself and is not rich towards God.
Luke 12:22 And he said to his disciples: Therefore I say to you: Be not solicitous for your life, what you shall eat, nor for your body, what you shall put on.
Luke 12:23 The life is more than the meat: and the body is more than the raiment.
Study Lenses
The verse centers on "layeth", "treasure", "himself", "rich", and "towards". It is saying that the verse draws attention to "layeth" and "treasure", so its meaning should be read from those terms before moving to application.
The nearby context moves from verse 20's "But God said to him Thou fool..." into verse 22's "And he said to his disciples Therefore...", so "layeth" and "treasure" belong inside that flow. In Luke context, the local focus is Christ, faith, and discipleship.
A plain takeaway is to answer the verse's own emphasis on "layeth" and "treasure" with trust shaped by these words, not by a vague optimism outside the passage.