HKB
Man is directed to future happiness by charity; and since voluntary poverty is an efficient exercise for the attaining of perfect charity, it follows that it is of great avail in acquiring the happiness of heaven. Wherefore our Lord said (Matt. 19:21): "Go, sell all [Vulg.: 'what'] thou hast, and give to the poor, and thou shalt have treasure in heaven." Now riches once they are possessed are in themselves of a nature to hinder the perfection of charity, especially by enticing and distracting the mind. Hence it is written (Matt. 13:22) that "the care of this world and the deceitfulness of riches choketh up the word" of God, for as Gregory says (Hom. xv in Ev.) by "preventing the good desire from entering into the heart, they destroy life at its very outset." Consequently it is difficult to safeguard charity amidst riches: wherefore our Lord said (Matt. 19:23) that "a rich man shall hardly enter into the kingdom of heaven," which we must understand as referring to one who actually has wealth, since He says that this is impossible for him who places his affection in riches, according to the explanation of Chrysostom (Hom. lxiii in Matth.), for He adds (Matt. 19:24): "It is easier for a camel to pass through the eye of a needle, than for a rich man to enter into the kingdom of heaven." Hence it is not said simply that the "rich man" is blessed, but "the rich man that is found without blemish, and that hath not gone after gold," and this because he has done a difficult thing, wherefore the text continues (Matt. 19:9): "Who is he? and we will praise him; for he hath done wonderful things in his life," namely by not loving riches though placed in the midst of them.
Reply Obj. 5: The episcopal state is not directed to the attainment of perfection, but rather to the effect that, in virtue of the perfection which he already has, a man may govern others, by administering not only spiritual but also temporal things. This belongs to the active life, wherein many things occur that may be done by means of wealth as an instrument, as stated (ad 4). Wherefore it is not required of bishops, who make profession of governing Christ's flock, that they have nothing of their own, whereas it is required of religious who make profession of learning to obtain perfection.
Reply Obj. 6: The renouncement of one's own wealth is compared to almsgiving as the universal to the particular, and as the holocaust to the sacrifice. Hence Gregory says (Hom. xx in Ezech.) that those who assist "the needy with the things they possess, by their good deeds offer sacrifice, since they offer up something to God and keep back something for themselves; whereas those who keep nothing for themselves offer a holocaust which is greater than a sacrifice." Wherefore Jerome also says (Contra Vigilant.): "When you declare that those do better who retain the use of their possessions, and dole out the fruits of their possessions to the poor, it is not I but the Lord Who answers you; If thou wilt be perfect," etc., and afterwards he goes on to say: "This man whom you praise belongs to the second and third degree, and we too commend him: provided we acknowledge the first as to be preferred to the second and third." For this reason in order to exclude the error of Vigilantius it is said (De Eccl. Dogm. xxxviii): "It is a good thing to give away one's goods by dispensing them to the poor: it is better to give them away once for all with the intention of following the Lord, and, free of solicitude, to be poor with Christ."
FOURTH ARTICLE [II-II, Q. 186, Art. 4]
Whether Perpetual Continence Is Required for Religious Perfection?