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Matthew 25:19-30

Settling the Account

19 After a long time the lord of those servants cometh, and reckoneth with them. 20 And so he that had received five talents came and brought other five talents, saying, Lord, thou deliveredst unto me five talents: behold, I have gained beside them five talents more. 21 His lord said unto him, Well done, thou good and faithful servant: thou hast been faithful over a few things, I will make thee ruler over many things: enter thou into the joy of thy lord. 22 He also that had received two talents came and said, Lord, thou deliveredst unto me two talents: behold, I have gained two other talents beside them. 23 His lord said unto him, Well done, good and faithful servant; thou hast been faithful over a few things, I will make thee ruler over many things: enter thou into the joy of thy lord. 24 Then he which had received the one talent came and said, Lord, I knew thee that thou art an hard man, reaping where thou hast not sown, and gathering where thou hast not strawed: 25 And I was afraid, and went and hid thy talent in the earth: lo, there thou hast that is thine. 26 His lord answered and said unto him, Thou wicked and slothful servant, thou knewest that I reap where I sowed not, and gather where I have not strawed: 27 Thou oughtest therefore to have put my money to the exchangers, and then at my coming I should have received mine own with usury. 28 Take therefore the talent from him, and give it unto him which hath ten talents. 29 For unto every one that hath shall be given, and he shall have abundance: but from him that hath not shall be taken away even that which he hath. 30 And cast ye the unprofitable servant into outer darkness: there shall be weeping and gnashing of teeth.


When my children were small, I can remember more than one time when I disciplined them by sending them to their room to wait for me to spank them. On the few occasions when I did that, my anger waned and I did not go in to spank them. I know, however, that the waiting was worse than the punishment would have been. There was that constant fear that the moment of reckoning was coming.

Jesus used the same concept in His tale about the talents. Matthew deliberately repeated in the Greek present tense, "... the lord of those servants is in the process of coming..." Our Lord Jesus Christ is not simply sitting in heaven watching and waiting. He is in complete control of everything that occurs and is doing everything necessary to bring about His return at the appointed time.

At that hour He will "reckon" with them, or will literally "settle their accounts." There is to be that same fearful expectation of punishment for those who do not know Him. Jesus, however, will not cool down and fail to punish the wicked. The settling of accounts is a sure thing.

On His return, the servant who earned five more talents received the compliment, "Well done, thou good and faithful servant: thou hast been faithful over a few things, I will make thee ruler over many things: enter thou into the joy of thy lord." This man had taken what the Lord had given him and worked with it to gain more.

Notice that the man who only gained two talents received exactly the same rewards. He had been given less to work with and was not expected to gain as much.

Doing the Lord's work is not an "option" that is given to us nor is it a requirement. It is the product of a committed heart. "He that hath my commandments, and keepeth them, he it is that loveth me: and he that loveth me shall be loved of my Father, and I will love him, and will manifest myself to him." (John 14:21) There is no fearful waiting for these people, but there is a wonderful expectation of rewards when He comes.

The third servant, however, did not fare very well when his account was settled. He hadn't lost anything that the Lord had given to him, but look at the lack of faith that he exhibited. He thought that his lord was harsh and he was afraid of losing the money that he had been given.

His money was given to the first servant, he was called wicked and lazy, and he was cast into outer darkness. He was eternally separated from God to a place where there was nothing that was good. There would be weeping and gnashing of teeth.

Before The Throne:

Where is your heart focused? Pray that you would be focused on doing God's work, not to earn your way into heaven, but because you love Him. Pray for a profitable ministry. Ask God to help you have a part in multiplying His kingdom on earth so that you can one day hear the words "Well done thou good and faithful servant."

For Further Study:

(v.20) behold. Lu 19:16,17; Ac 20:24; 1Co 15:10; Col 1:29; 2Ti 4:1-8; Jas 2:18;

(v.21) ** Well. 2Ch 31:20-21; Lu 16:10; Ro 2:29; 1Co 4:5; 2Co 5:9; 10:18; 1Pe 1:7; **I will. Mt 34-40, 46; 10:40-42; 24:47; Lu 12:44; 22:28-30; Re 2:10, 26-28; 3:21; Re 21:7; ** enter. Ps 16:10-11; Joh 12:26; 14:3; 17:24; Php 1:23; 2Ti 2:12; Heb 12:2; 1Pe 1:8; Re 7:17;

(v.22) ** I have. Lu 19:18-19; Ro 12:6-8; 2Co 8:1-3, 7-8, 12;

(V.23) ** Well. Mr 12:41-44; 14:8-9;

(v.24)
** Lord. Mt 7:21; Lu 6:46; ** I knew. Mt 20:12; Job 21:14-15; Isa 58:3; Jer 2:31; 44:16-18; Eze 18:25-29; Mal 1:12-13; 3:14-15; Lu 15:29; 19:20-22; Ro 8:7; 9:20;

(v.25) 2Sa 6:9,10; Pr 26:13; Isa 57:11; Ro 8:15; 2Ti 1:6-7; Re 21:8;

(v.26) ** Thou. Job 15:5-6; Mt 18:32;

(v.27) ** oughtest. Lu 19:22-23; Ro 3:19; Jude 1:15; ** with. De 23:19-20;

(v.28) Lu 10:42; 19:24;

(v.29)
** unto. Mt 13:12; Mr 4:25; Lu 8:18; 16:9-12; 19:25-26; Joh 15:2; ** shall be taken. La 2:6; Ho 2:9; Lu 10:42; 12:19-21; 16:1-3, 20-25; Mt 21:41; Joh 11:48; Re 2:5;

(v.30) ** cast. Jer 15:1-2; Eze 15:2-5; Mt 3:10; 5:13; Lu 14:34-35; Joh 15:6; Tit 3:14; Heb 6:7-8; Re 3:15-16; ** outer. Mt 8:12; 13:42, 50; 22:13; 24:51; Lu 13:28; 2Pe 2:17; Jude 1:13; Re 21:8;

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