Ayat 34. O you who believe! Verily, there are many of the (Jewish) rabbis and the (Christian) monks who devour the wealth of mankind in falsehood, and hinder (them) from the Way of Allah (i.e. Allah's Religion of Islamic Monotheism). And those who hoard up gold and silver [Al-Kanz: the money, the Zakat of which has not been paid], and spend it not in the Way of Allah, -announce unto them a painful torment.
Ayat 35. On the Day when that (Al-Kanz: money, gold and silver, etc., the Zakat of which has not been paid) will be heated in the Fire of Hell and with it will be branded their foreheads, their flanks, and their backs, (and it will be said unto them):-"This is the treasure which you hoarded for yourselves. Now taste of what you used to hoard."
Hazrat Abdullah bin Ash-Shikhkhir (May Allah be pleased with him) reported: I came to the Messenger of Allah [SAWW](PBUH) while he was reciting (Surat At-Takathur 102): "The mutual rivalry (for hoarding worldly things) preoccupy you. (After reciting) Messenger of Allah [SAWW](PBUH) said, "Son of adam says: `My wealth, my wealth.' Do you own of your wealth other than what you eat and consume, and what you wear and wear out, or what you give in Sadaqah (charity) (to those who deserve it), and that what you will have in stock for yourself.'' [Muslim Hadith # 7061].
Lesson : as mentioned above in Surah At-Taubah Ayat 35. "Now taste of what you used to hoard." This Hadith enjoins that if a person is given wealth, he should spend it in the ways liked by Allah because it is this Sadaqah which will be a valuable treasure in the Afterlife. Whatever else he consumes in this world, will finish or rot in this world and will be of no avail in Hereafter.