Faith & Finance with Rob West
A.W. Tozer once wrote in The Knowledge of the Holy, “What comes into our minds when we think about God is the most important thing about us.” Our understanding of God influences everything—including how we handle what He has entrusted to us. In the Parable of the Talents (Matthew 25:14-30), Jesus tells a story that reveals how our perception of God directly affects our stewardship. Three servants are given different amounts of money while their master is away. Two invest what they receive and are rewarded for their faithfulness. The third, however, buries his portion out of fear. His failure wasn’t just financial—it was a failure of understanding his master’s character.

In the Parable of the Talents (Matthew 25:14-30), Jesus tells a story that reveals how our perception of God directly affects our stewardship. Three servants are given different amounts of money while their master is away. Two invest what they receive and are rewarded for their faithfulness. The third, however, buries his portion out of fear. His failure wasn’t just financial—it was a failure of understanding his master’s character.
At first glance, the punishment of the third servant might seem extreme. After all, he didn’t lose the money—he simply didn’t invest it. But Jesus’ parable isn’t just about financial stewardship; it’s about how we see God.
The third servant viewed his master as “a hard man” (Matthew 25:24), someone to be feared rather than trusted. His words reveal the issue of his heart:“Master, I knew that you are a hard man, harvesting where you have not sown and gathering where you have not scattered seed. So I was afraid and went out and hid your gold in the ground.” - Matthew 25:24-25His fear of failure led him to inaction. Instead of seeing an opportunity, he saw a trap. Instead of seeing generosity, he saw harshness. And because of that, he did nothing.
This is the danger of a wrong view of God. When we perceive Him as an unrelenting taskmaster, we shrink back—afraid to fail, hesitant to step out, reluctant to engage with what He has given us. We bury our talents—whether our time, resources, or gifts—assuming He is more interested in punishment than partnership. But Scripture reminds us:
“There is no fear in love. But perfect love drives out fear, because fear has to do with punishment.” - 1 John 4:18In contrast, the first two servants acted in faith. They saw their master as someone worth serving, embracing their responsibility with joy. They took risks, multiplied what they had been given, and were met with their master’s praise:

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The master’s reward wasn’t just about productivity—it was an invitation into deeper joy. Their faithfulness wasn’t about money; it was about trust. They trusted their master’s goodness and acted boldly.
Many struggle with obedience because they see it as a burden rather than an opportunity. But the faithful servants understood something key: what they had been given actually belonged to their master, and stewarding it well was a privilege.
Jesus invites us to partner with Him in His work, not because He needs us, but because He delights in working through us. Paul describes this beautifully:
We are not slaves cowering under a harsh master—we are co-laborers in His kingdom. When we understand this, our perspective on obedience changes. Giving, serving, and using our gifts for His glory are no longer seen as obligations but as privileges.
The real tragedy of the third servant is that he never truly knew his master. His false perception led to his inaction, and his master’s response is sobering:
But if we truly know Him, we will step forward in faith, eager to invest our lives in His work.
God invites us to see Him as He truly is—loving, generous, and trustworthy. When we do, we won’t shrink back in fear—we will step forward in faith. Like the faithful servants in the parable, we will hear His words of joy:
Let’s live as stewards who know our Master—trusting in His goodness and investing in His kingdom with boldness and joy.
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