I answer that, As stated above (Question [184], Article [3], ad 1; Question [185], Article [6], ad 1), perfection consists, essentially, not in poverty, but in following Christ, according to the saying of Jerome (Super Matth. xix, 27): "Since it is not enough to leave all, Peter adds that which is perfect, namely, 'We have followed Thee,'" while poverty is like an instrument or exercise for the attainment of perfection. Hence in the Conferences of the Fathers (Coll. i, 7) the abbot Moses says: "Fastings, watchings, meditating on the Scriptures, poverty, and privation of all one's possessions are not perfection, but means of perfection."
Now the privation of one's possessions, or poverty, is a means of perfection, inasmuch as by doing away with riches we remove certain obstacles to charity; and these are chiefly three. The first is the cares which riches bring with them; wherefore our Lord said (Mt. 13:22): "That which was sown [Vulg.: 'He that received the seed'] among thorns, is he that heareth the word, and the care of this world, and the deceitfulness of riches, choketh up the word." The second is the love of riches, which increases with the possession of wealth; wherefore Jerome says (Super Matth. xix, 23) that "since it is difficult to despise riches when we have them, our Lord did not say: 'It is impossible for a rich man to enter the kingdom of heaven,' but: 'It is difficult.'" The third is vainglory or elation which results from riches, according to Ps. 48:7, "They that trust in their own strength, and glory in the multitude of their riches."
Accordingly the first of these three cannot be altogether separated from riches whether great or small. For man must needs take a certain amount of care in acquiring or keeping external things. But so long as external things are sought or possessed only in a small quantity, and as much as is required for a mere livelihood, such like care does not hinder one much; and consequently is not inconsistent with the perfection of Christian life. For our Lord did not forbid all care, but only such as is excessive and hurtful; wherefore Augustine, commenting on Mt. 6:25, "Be not solicitous for your life, what you shall eat," says (De Serm. in Monte [*The words quoted are from De Operibus Monach. xxvi]): "In saying this He does not forbid them to procure these things in so far as they needed them, but to be intent on them, and for their sake to do whatever they are bidden to do in preaching the Gospel." Yet the possession of much wealth increases the weight of care, which is a great distraction to man's mind and hinders him from giving himself wholly to God's service. The other two, however, namely the love of riches and taking pride or glorying in riches, result only from an abundance of wealth.
Nevertheless it makes a difference in this matter if riches, whether abundant or moderate, be possessed in private or in common. For the care that one takes of one's own wealth, pertains to love of self, whereby a man loves himself in temporal matters; whereas the care that is given to things held in common pertains to the love of charity which "seeketh not her own," but looks to the common good. And since religion is directed to the perfection of charity, and charity is perfected in "the love of God extending to contempt of self" [*Augustine, De Civ. Dei xiv, 28], it is contrary to religious perfection to possess anything in private. But the care that is given to common goods may pertain to charity, although it may prove an obstacle to some higher act of charity, such as divine contemplation or the instructing of one's neighbor. Hence it is evident that to have excessive riches in common, whether in movable or in immovable property, is an obstacle to perfection, though not absolutely incompatible with it; while it is not an obstacle to religious perfection to have enough external things, whether movables or immovables, as suffice for a livelihood, if we consider poverty in relation to the common end of religious orders, which is to devote oneself to the service of God. But if we consider poverty in relation to the special end of any religious order, then this end being presupposed, a greater or lesser degree of poverty is adapted to that religious order; and each religious order will be the more perfect in respect of poverty, according as it professes a poverty more adapted to its end. For it is evident that for the purpose of the outward and bodily works of the active life a man needs the assistance of outward things, whereas few are required for contemplation. Hence the Philosopher says (Ethic. x, 8) that "many things are needed for action, and the more so, the greater and nobler the actions are. But the contemplative man requires no such things for the exercise of his act: he needs only the necessaries; other things are an obstacle to his contemplation." Accordingly it is clear that a religious order directed to the bodily actions of the active life, such as soldiering or the lodging of guests, would be imperfect if it lacked common riches; whereas those religious orders which are directed to the contemplative life are the more perfect, according as the poverty they profess burdens them with less care for temporal things. And the care of temporal things is so much a greater obstacle to religious life as the religious life requires a greater care of spiritual things.
Now it is manifest that a religious order established for the purpose of contemplating and of giving to others the fruits of one's contemplation by teaching and preaching, requires greater care of spiritual things than one that is established for contemplation only. Wherefore it becomes a religious order of this kind to embrace a poverty that burdens one with the least amount of care. Again it is clear that to keep what one has acquired at a fitting time for one's necessary use involves the least burden of care. Wherefore a threefold degree of poverty corresponds to the three aforesaid degrees of religious life. For it is fitting that a religious order which is directed to the bodily actions of the active life should have an abundance of riches in common; that the common possession of a religious order directed to contemplation should be more moderate, unless the said religious be bound, either themselves or through others, to give hospitality or to assist the poor; and that those who aim at giving the fruits of their contemplation to others should have their life most exempt from external cares; this being accomplished by their laying up the necessaries of life procured at a fitting time. This, our Lord, the Founder of poverty, taught by His example. For He had a purse which He entrusted to Judas, and in which were kept the things that were offered to Him, as related in Jn. 12:6.
Nor should it be argued that Jerome (Super Matth. xvii, 26) says: "If anyone object that Judas carried money in the purse, we answer that He deemed it unlawful to spend the property of the poor on His own uses," namely by paying the tax---because among those poor His disciples held a foremost place, and the money in Christ's purse was spent chiefly on their needs. For it is stated (Jn. 4:8) that "His disciples were gone into the city to buy meats," and (Jn. 13:29) that the disciples "thought, because Judas had the purse, that Jesus had said to him: But those things which we have need of for the festival day, or that he should give something to the poor." From this it is evident that to keep money by, or any other common property for the support of religious of the same order, or of any other poor, is in accordance with the perfection which Christ taught by His example. Moreover, after the resurrection, the disciples from whom all religious orders took their origin kept the price of the lands, and distributed it according as each one had need (Acts 4:34,35).