Zophar explained that while the wicked greedily fill their own bellies, God sends His anger into their bowels (v. 23). In other words, the poor health that accompanies over indulgence is God's instrument of judgment on the wealthy wicked. If God does not punish him this way he will still not escape because God will catch him some other way (vv. 24-25; cf. 16:13). After he died, God would burn up his possessions and family in judgment as He already had done in Job's case (v. 26; cf. ch. 1). Rather than anticipating divine vindication on the earth, Job should expect God to reveal his iniquity and the earth to rise up against him (v. 27; cf. 16:18-19).
Was Zophar correct in his assessment of the wicked's fate? He was correct in saying that God judges sin, but he was wrong in claiming that God's judgment always takes place during our earthly lifetime. He was also inaccurate in saying that Job was the type of person he described.