Matthew, in chapters 24–25, records the Lord’s heart of compassion and love mingled with unwavering holiness. This section of Scripture, including the Parable of the Talents, constitutes final warnings, prophecies, and encouragements to His people Israel prior to His departure. He, who is their Lord, is leaving for an undisclosed period of time. He is delegating to them the responsibility, as stewards, to care for His kingdom. The Parable of the Talents, Matthew 25:14–30, impresses on them the weight of that responsibility and the serious consequences of neglecting to understand and apply His instructions. There is also a message to all mankind.
If the talents are talents of gold, the value of what the master entrusted to the stewards would be immensely high, in the millions of dollars. Since the Lord uses only the term “talents” we must make some assumptions, but is seems reasonable to assume that the owner of the talents, the man traveling into a far country, was a wealthy man. He is entrusting his wealth to three men who become stewards of his money. One receives five talents. Another receives two talents. A third steward receives one talent. Each is given a significant amount of money. These are stewards entrusted with the care of the money. The stewards must know the personality and character of their Lord. He expects them to know Him well enough to apply the spirit as well as the letter of His instructions. Those that do are richly rewarded. The others receive severe judgment. The amount given is based on each steward’s ability. The first two understand the spirit and letter of instructions and the character of their Lord. They both use the resources by “trading” to gain a profit. Each of them makes a 100 percent profit. Fear and mistrust of his Lord motivate the third steward. He buries the money in the earth and returns the original amount. The profitable stewards are praised, given increased responsibilities and invited to enter into the joy of their Lord. The untrusting steward is scolded, rejected, and punished.
The application of this parable must be understood within the context of the message of Matthew 24–25. It is first a message to the people of Israel that will live in the last days before the Lord returns. The statement, in Matthew 24:13, “But he that shall endure unto the end, the same shall be saved,” is a key statement. This is the believing remnant that will receive the promise of the kingdom. In Matthew 24:32–34, the Lord states, “Now learn a parable of the fig tree; When his branch is yet tender, and putteth forth leaves, ye know that summer is nigh: So likewise ye, when ye shall see all these things, know that it is near, even at the doors. Verily I say unto you, This generation shall not pass, till all these things be fulfilled.” These will be alive when He returns and will have understood and believed their Lord. The application to the people of Israel is graphic and relevant. Those that believe Him will be rewarded in His kingdom. The basis of the reward will be their stewardship of His resources entrusted to them. Those who fear and do not believe will be rejected and judged.
There is also a universal application to all mankind. From the time of the creation of mankind, each individual has been entrusted with resources of time and material wealth. Everything we have comes from God and belongs to Him. We are responsible for using those resources so that they increase in value. As Christians, we have additionally the most valuable resource of all—the Word of God. If we believe and understand Him, and apply His Word as good stewards, we are a blessing to others and the value of what we do multiplies. We are accountable to the Lord for the use of His resources.
 Got Questions Ministries. (2010). Got Questions? Bible Questions Answered. Bellingham, WA: Logos Bible Software.