Catholic Commentary
Closing Refrain: Man Without Understanding
20A man who has riches without understanding, is like the animals that perish.
Psalm 49:20 states that a wealthy person without understanding is like beasts that perish, meaning riches without spiritual discernment obscure human dignity and divine purpose. The Hebrew word for understanding (bîn) signifies the capacity to distinguish eternal from temporal values, a faculty that separates humans from animals and reflects God's image.
A person who grows wealthy but never grows wise has chosen to live like an animal instead of a human being made in God's image.
Catholic tradition reads Psalm 49:20 through the lens of the analogia fidei — the harmony of Scripture and doctrine — and finds in it a compressed theology of the human person and last things.
The Imago Dei and Its Eclipse. The Catechism teaches that the human person is the only creature on earth willed by God for its own sake, endowed with intellect and will ordered toward truth and goodness (CCC 1700–1706). To live in wealth "without understanding" (sine intellectu in the Vulgate) is, in the Catholic reading, to suppress the very faculty by which the soul is capax Dei — capable of God. St. Augustine, in the Enarrationes in Psalmos, comments on this verse: "The soul that clings to earthly things instead of rising to God has made itself, by its own choice, like the irrational beasts — not by nature but by the will's perverse direction." This is not a small moral failure; it is an ontological demotion freely chosen.
Wealth and the Virtue of Prudence. The Church has never condemned wealth as intrinsically evil (cf. CCC 2401–2406), but has consistently taught the universal destination of goods and the duty of detachment. Pope Leo XIII in Rerum Novarum and St. John Paul II in Centesimus Annus both affirm that material prosperity divorced from moral and spiritual formation endangers both the individual soul and the social order. Psalm 49:20 gives this social teaching its deepest anthropological foundation: the disordered pursuit of wealth is not merely unjust — it is dehumanizing.
Eschatological Dimension. The verse sits within a psalm deeply preoccupied with death and the afterlife. The Fathers — particularly St. John Chrysostom in his Homilies on the Psalms — use this verse to catechize on the particular judgment: on the last day, riches count for nothing, and only the wisdom cultivated through charity, prayer, and virtue will endure. This aligns perfectly with the Church's teaching on the particular judgment (CCC 1021–1022) and the danger of final impenitence.
Psalm 49:20 speaks with surgical precision to the temptations of affluent contemporary Catholic life. Many Catholics in the Western world enjoy a standard of material comfort unprecedented in human history — yet surveys consistently show declining sacramental practice, catechetical literacy, and contemplative prayer. The psalm does not say that riches are wrong; it says riches without understanding are lethal to the soul. The practical question this verse poses is: What am I actually investing in the formation of my interior life proportionate to what I invest in my financial life?
Concretely, this verse calls Catholics to examine whether the time given to financial planning, career advancement, or consumption is matched — even remotely — by time given to Scripture, the Liturgy of the Hours, lectio divina, or the sacrament of Reconciliation. A Catholic who retires comfortably but has not cultivated the interior life has, in the psalm's stark terms, lived like a beast. The antidote is not guilt but bîn — the active, practiced habit of discernment: asking each day, What is eternal, and what is passing? This verse is a powerful examination of conscience for annual retreats, Lenten resolutions, and the preparation for the sacrament of the Anointing of the Sick.
Commentary
Psalms 49:20 — Literal and Literary Analysis
"A man who has riches without understanding is like the beasts that perish." (The full verse, with its second half implied or rendered in various manuscripts as explicit, reads: "He is like the beasts that perish.")
The Hebrew word translated "understanding" here is bîn (בִּין), from the root meaning to discern, perceive, or distinguish — not merely intellectual cleverness, but the capacity to see reality as it truly is. This is the sapiential understanding celebrated throughout the Wisdom literature: the ability to perceive the difference between the eternal and the ephemeral, between God and mammon. The "man of riches" ('îš bĕyôqār, a man in honor or wealth) is not condemned for his wealth per se, but for the absence of this discernment alongside it.
The comparison to "beasts that perish" (nibhəmôt nidmû, "they are like the beasts cut off/silenced") is startling and deliberate. In the ancient Near Eastern worldview, animals do not possess the nəšāmāh (the breath/spirit of understanding) breathed into Adam (Genesis 2:7). To live as a wealthy person without spiritual understanding is to have forfeited the very thing that distinguishes humanity from the rest of creation — the imago Dei expressed through rational, God-oriented wisdom. Wealth, in this framework, becomes a gilded cage that makes the human being more like an animal, not less.
The Refrain Structure (Inclusio with Verse 13)
This verse is nearly identical to verse 13: "Man cannot abide in his pomp; he is like the beasts that perish." The slight but significant difference in verse 20 is the addition of bĕyôqār — "in riches" or "in honor." The psalmist tightens the accusation. Verse 13 speaks of any person who fails to understand their mortality; verse 20 specifically indicts the wealthy person without understanding. The repetition at the psalm's close functions as a peroratio — a rhetorical conclusion that drives the central argument home with finality. The listener is left not with comfort, but with a question burning in the conscience: Do I understand?
Typological and Spiritual Senses
Allegorically, the "man without understanding" prefigures all those who, in salvation history, placed their ultimate trust in created goods rather than in the living God: the rich fool of Luke 12, the rich young man who walks away sorrowful (Matthew 19), and — in a darker typological register — those who reject the Wisdom of God Incarnate (1 Corinthians 1:18–25). The Fathers read this verse as a prophecy of the spiritually blind who encounter Christ and choose their possessions. The beast-comparison evokes not cruelty but pathos: the tragedy of a creature made for eternal communion with God choosing a life oriented entirely toward corruptible things.