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Matthew 6:19-24 (ESV)

19 “Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal, 20 but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal. 

Jesus is not saying that it's wrong to make money,or to be rich, or to save money to prepare for retirement.  If you're focus is on these things and not Jesus, it becomes wrong.  It's about priority. Make your singular treasure Jesus.  

21 For where your treasure is, there your heart will be also.

22 “The eye is the lamp of the body. So, if your eye is healthy, your whole body will be full of light, 

23 but if your eye is bad, your whole body will be full of darkness. If then the light in you is darkness, how great is the darkness!

We must have a singular vision.  Satan distracts you from having Jesus as the number one focus of your life. It could be something good or bad.  Everything must be focused upon what Jesus's will is for you.       

24 “No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.

Whatever becomes your treasure becomes your god.  Jesus becomes your God when you become deeply in love with Jesus Christ.  

Darryl Craft, Whitesburg Baptist Church

http://www.whitesburgbaptist.org/connect/messages/focus/