Grace in Focus Podcast Summary

Episode: Is There an Age of Accountability?
Date: October 22, 2025
Host: Bob Wilkin
Guest/Co-Host: Sam Maher

Episode Overview

This episode tackles a pressing theological question from a listener: Is there a biblical "age of accountability"—an age before which a person is not held responsible for faith or for accepting the gospel? Bob Wilkin and Sam Maher engage the topic from a Free Grace perspective, focusing on scriptural insights, historical Jewish thought, and practical implications of this doctrine. The conversation also explores related issues, such as the status of mentally disabled individuals regarding salvation and the influence of Calvinism on this debate.

Key Discussion Points & Insights

1. Introducing the Listener's Question

[00:47–01:18]

• The question comes from "EA," a father of four, who wants scriptural backing for (or against) the age of accountability.
• Bob affirms the concept: “There absolutely is an age of accountability...but the idea that there is an age of accountability I don't think is that hard to come up with.” — Bob Wilkin ([01:23])

2. Biblical Principles and Key Passages

[01:23–06:22]

• Foundational Principle:
  God never holds people accountable for what they are unable to do; accountability requires ability ([01:23–01:51]).

• John 5:39-40 Example:
  People must be willing and able to come to Jesus for life. Infants and those who can't understand are not included in this accountability ([01:51–02:13]).

• Defining the Age Range:

  • Child Evangelism Fellowship suggests children comprehend the gospel between ages 5-10, varying individually, because younger children can't distinguish fantasy from reality.
  • Bob observes, "Everybody recognizes there's clearly ages under which someone cannot believe—they're unable to believe.” ([02:25])

• Scriptural Case Study: Kadesh Barnea

  • Numbers 14: God judged Israelites at Kadesh Barnea.
  • All over the age of 20 were held accountable for unbelief and died in the wilderness, while those under 20 were spared ([03:32–05:30]).
  • “The age of accountability, there, was 20. That suggests to me that's the age of accountability for the promise of eternal life.” — Bob Wilkin ([05:05])
  • Jewish rabbis have often taken 20 as the age of accountability.

• Practical Implication:

  • Even if a child could intellectually believe (e.g., at age 10), Bob argues a person under 20 (per the Old Testament example) dying in unbelief would not be eternally condemned. Instead, “they are not going to be eternally condemned” ([05:48]).

• Speculative Outcome:

  • Bob suggests that such individuals may be resurrected to live a natural life during the millennium and face their decision then ([06:02]).

3. Notable Quotes & Memorable Moments

• “God doesn’t condemn people who can’t believe. And He’s not even going to condemn people, in my view, who could believe but haven’t reached the age of accountability.” — Bob Wilkin ([06:57])
• “One of the characteristics of God, right, is that He's good. Well, it really wouldn't be good to condemn people who are unable to believe.” — Bob Wilkin ([09:36])
• “It matters what God thinks is fair.” — Bob Wilkin ([11:05])
• “I’m 100% confident that we’re not going to fully understand until we have the mind of Christ completely.” — Sam Maher ([11:45])

4. Children with Cognitive Disabilities

[07:23–10:17]

• EA shares a real-life evangelistic encounter involving a student’s mentally handicapped brother.
• Bob explains: Those with an IQ below a certain threshold (possibly as low as 30) may lack the capacity for belief. These individuals are grouped with children below the age of accountability ([08:44–10:17]).
• Outcomes: God either grants them eternal life or gives them another chance in the millennium, but they are not condemned for inability to believe.

5. Calvinism’s Influence

[08:03–08:58]

• Bob notes Calvinism’s determinism and fatalism—“faith isn’t something that has anything to do with us” ([08:14]).
• In Calvinism, the sequence is: election, regeneration, then faith—a view Bob critiques as contrary to divine justice and goodness.

6. The Nature of Divine Justice

[10:17–11:45]

• Discussion turns philosophical: how do we judge what is “just” when we cannot fully comprehend the mind of God?
• “We sometimes confuse justice with fairness.” — Sam Maher ([10:17])
• The only standard: Scripture, not human opinion ([11:02]).

7. Limits of Revelation and Comfort in Mystery

[11:45–12:58]

• There is no definitive verse specifying what happens to children who die before adulthood; principles and patterns must guide us.
• Sam expresses comfort in eventual divine clarity: “Once we are on the new earth, with Christ, it’ll make sense to us...” ([11:45])
• Bob reiterates Jesus’ teaching that children can believe (Matthew 18), though this does not specify what happens to non-believing children who die.

Key Timestamps for Important Segments

• Listener Question Introduction: [00:47–01:23]
• Scriptural Principles (John 5, CEF Perspective): [01:23–03:22]
• Kadesh Barnea Account: [03:22–05:30]
• Jewish Tradition and Millennial Speculation: [05:30–06:22]
• Cognitive Disabilities and Accountability: [07:23–10:17]
• Calvinism and Its Implications: [08:03–08:58]
• Divine Justice Discussion: [10:17–11:45]
• Limits of Human Understanding: [11:45–12:15]
• Closing Comments on Believing Children and Principles: [12:15–12:58]

Conclusion & Takeaways

• The consistent principle: Accountability follows ability. God is both just and good, condemning no one for what they’re unable to do.
• The age of accountability is not precisely stated in Scripture; Bob suggests, based on Kadesh Barnea, it could be as late as 20, much higher than commonly thought.
• Those who die before this age (or those with significant cognitive disabilities) are not subject to eternal condemnation, but the specifics of their fate—resurrection in the millennium or immediate eternal life—are matters of speculation.
• The discussion is shaped by a Free Grace perspective and contrasts sharply with Calvinistic determinism.
• Ultimately, the hosts urge trust in God’s justice and mercy—even in areas where Scripture remains silent and human reasoning falls short.

This summary aims to provide clarity on the episode’s central arguments, practical theology, and underlying scriptural reasoning, reflecting the free grace and open-handed tone of the conversation.