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When you see people who are really good looking, do you think of them as actually owning something worth having? A pretty face isn't like money in the bank, but it is a precious possession that people work very hard to keep.
Line 6: In this poem, treasure is one more in a series of important metaphors for beauty. Shakespeare calls the young man's beauty "the treasure of thy lusty days," and from that point on he comes back to the idea of beauty being like money, something you can save, add up, and pass on.