Now therefore, thus says the LORD of hosts: “Consider your ways! “You have sown much, and bring in little; You eat, but do not have enough; You drink, but you are not filled with drink; You clothe yourselves, but no one is warm; And he who earns wages, Earns wages to put into a bag with holes.” Thus says the LORD of hosts: “Consider your ways!”
Haggai 1:5-7

Disobedience to God is not the only reason for a lack of prosperity. But according to God, speaking through Haggai, it certainly can be a reason But even if disobedience does not lead to a lack of physical and financial prosperity, it certainly leads to a lack of true peace and joy, even of one is wealthy.

In Haggai’s day the people were in disobedience to God in that they had neglected the house of God (the temple), while they were busy building and beautifying their own houses. This is not to say it is wrong to build and beautify our homes. It only becomes sin when we beautify our homes to the neglect of the house of God (v.9).

In the New Covenant, the temple of God is not a building , but a people: the Church (Ephesians 2:19-22). Beautifying our homes is not the only activity that distracts us from serving Christ by serving His Church. It could be any of hundreds of other things into which we pour ourselves while neglecting Christ’s Church.

So if you are lacking either prosperity or peace, Thus says the LORD of hosts: “Consider your ways!”