We all have jobs in order to make money. We save and spend, we try to get that promotion and that raise. And all of this is Biblical: "make it your ambition to lead a quiet life and attend to your own business and work with your hands, just as we instructed you, so that you will behave properly toward outsiders and not be in any need." (1 Thess 4:11-12 NASB) "...he must labor, producing with his own hands what is good, so that he will have something to share with the one who has need." (Eph 4:28 NASB) "You yourselves know that these hands served my own needs and the men who were with me." (Acts 20:34 NASB)
But when does healthy labor become the dreaded "love of money"? First of all, the "love of money" is the rejection of the contentment in what God has already given us. Despite what some teachers might tell you, God promises to take care of our basic needs: food, clothing, shelter. On top of that He has given us His son, His immutable love, and He has placed His Spirit within us, and this is everything we need to be content. When we look to fill that God-shaped hole within us with things rather than Him, these things have taken His place in our hearts and have become an idol.
Secondly, the "love of money" is the failure to trust that He is ultimately the one who will provide us with all that we need. Even though we plant the seeds, He brings the sun and the rain; He causes the growth and the fruit. While God does reward the laborer who works "as unto Him" (Col 3:23), when we have doubts and fears about what we will eat, what we will drink, or what we will wear, it shows a lack of faith on our part that "your heavenly Father knows that you need all these things" (Matt 6:32)
Little children who have been raised in a household of love never give a second thought about food, shelter, or clothing, and God wants us to have that same attitude as His children. And He wants you to discover the wonder and glory of His loving presence, learning to delight in Him and not falling back on the empty calories of materialism.