Matthew 25:14-30 · The Parable of the Talents
Use It or Lose It
Matthew 25:14-30
Sermon
by James Merritt
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(Following video clip of Brewster's millions) That indeed is a great and unique story—having to spend $30 million in 30 days in order to get $300 million. Now can you imagine having to spend $30 million in 30 days? I know most men are sitting there thinking to themselves: For my wife that would be no problem. At first you may think that this is just pure Hollywood. But, quite frankly, that clip is closer to reality than you think.

We all have gifts from God that are far more valuable than $30 million or $300 million. Because every one of us are given opportunities to find God's will and to do God's work. We are all given opportunities to make an eternal difference in the lives of others. In fact, from God's perspective, life is equal opportunity employment.

We have been given abilities to match our opportunities, so that we might exercise our responsibility to use those abilities and take advantage of those opportunities to glorify God. But here is the catch, and it's the same one found in the movie: Use it or lose it.

The Lord Jesus told a parable to illustrate a profound truth. Every saint is both a servant and a steward. If you are a Christian you ought to be a servant doing something for God, and a steward being faithful in using the gift that God has given you for His glory.

Now I want you to think of life today as an opportunity; that has with it a responsibility to use your ability to glorify God. In this parable Jesus tells us three truths that are radically life-changing.

I. All That You Have Is God's Gift

"For the kingdom of heaven is like a man traveling to a far country, who called his own servants and delivered his goods to them. And to one he gave five talents, to another two, and to another one, to each according to his own ability; and immediately he want on a journey. (vv.14-15)

Notice that every man in this parable had been given gifts. One man was given five talents, another man two, and another man one, but every man had at least one talent. So everyone had been given gifts equally, and they were all given by the master.

Now let me stop here and make sure you hear what Jesus was saying. Every one of these talents were important because they were given by the master. Every gift of God is important because it is a gift from God.

In my home I have an engraved invitation from the White House to the National Day of Prayer. In and of itself that invitation is worthless. But when Teresa and I went to the White House for the National Day of Prayer and joined about 200 other people in the East Room to hear the President speak, we did not know that we would be allowed to go and get into a receiving line to meet him. We were told that there would be no pictures with the President, and we were to just speak to him very briefly and move on. Well, the President was very kind and engaged in some conversation with us, and then we moved on into a room where there were refreshments.

While we were standing there a man came in to that room with an invitation, and it had been signed by the President. Teresa asked the man where he got it, and he said, "The President just signed it." Teresa said, "Well, if you got yours signed I'm going to get mine signed." I said, "Teresa, you can't get back in that line; the Secret Service won't let you." Then I stopped and realized who I was talking to, and said, "You know I don't believe the Secret Service can stop you either."

Surely enough, that little wife of mine got through the Secret Service, got back in line, went back up to the President and said, "Mr. President, you signed an invitation for someone else, so would you mind signing these two—one for me and one for my husband?" Thank God, number one, that he did; number two, she didn't get shot.

But I now have two invitations framed hanging in my home signed by the President of the United States. What makes those invitations valuable is not the invitations, but the fact they were given by the President.

Now what makes you and your abilities and your gifts so special is they are gifts of God. Even though everyone in the parable had been talents, they had not all been given equal talents. Verse 15 tells us that these talents were given "to each according to his own ability." God gives different gifts to different people according to different abilities.

Even though the talents in the parable are monetary measurements, when you read the entire parable you realize the talents represent opportunities to use God-given abilities for God's glory.

Don't miss the fact that the amount of the talent was irrelevant. You are going to see that the master in the story expected as much from the one talent man as he did from the five talent man. But he expected no more from the five talent man than he did the one talent man.

It's not how much you have that matters to God; it is what you do with what you have that matters to Him. God is not concerned whether you have great ability or little ability. God is not concerned with whether you have great talent or small talent. It is what you do with the talent that you have that matters to God. Your opportunity will never exceed your ability, and your ability will always be equal to your opportunities. But just as each man had been given ability, he had also been given the responsibility to take the opportunity to use that ability for the good of his master, and so do you. But the point to remember is this: All that you have, whether it is your money or the ability to work to make the money, all of it is a gift from God.

II. God's Gift Is To Be Used For God's Glory

In order to understand this parable, you need to understand the symbolism. It is obvious in the story that the master represents the Lord Jesus. The servants obviously represent the saints. The truth of the parable is this: The Lord has called every saint to be a servant, and God has gifted every servant and given every servant the ability to use that gift for His glory.

Remember this: Every ability is, at the same time, an opportunity. Every opportunity carries with it a responsibility. That responsibility is to seize that opportunity, to use that ability, and make that ability count for the glory of God.

You take what abilities you have, and we all have them, we all have certain gifts, we all have certain abilities to do certain things. Those abilities are just like money; they're to be invested. That's why the story goes on to say: "Then he who had received the five talents went and traded with them, and made another five talents. And likewise he who had received two gained two more also. But he who had received one went and dug in the ground, and hid his lord's money." (vv.16-18)

Every one of these servants were expected by the master to maximize the value of the gifts and the talents that had been given.

Now it is important to notice that the master did not expect an equal return, but He did expect equal response to take advantage of the opportunity according to the ability the person had been given.

I'm going to tell you something that may shock you. The Lord wants his disciples to be ambitious. Now ambition has become a dirty word, but there is nothing wrong with ambition if it is channeled in the right direction, with the right focus, with the right purpose. The word ambition comes from the Latin word ambitio which means literally "to go around." It refers to the fact that life is to be a movement around the opportunities God gives you in order to achieve His glory and His honor. There's a great saying I heard years ago which sums it up perfectly. We ought to expect great things from God, and we ought to attempt great things for God.

Let me once again tell you what success is. Success is when you simply exercise your responsibility to take advantage of every opportunity to use whatever ability God has given you, to use it and use it for His glory and His honor. You see, in the story there are only two kinds of servants—faithful and unfaithful.

Or to be more blunt, there are only two kinds of servants in this parable; two were faithful, one was foolish. Likewise, you are one of two kinds of servants in God's kingdom; either a faithful servant or a foolish servant. You are either doing something for God or you're doing nothing for God.

Just because you may not be as talented or as gifted as someone else, does not mean you should not give your very best. I told you before that one of my heroes is John Wooden, who was the former head basketball coach at UCLA, who has won more national championships than any basketball coach in history. From an early age Coach Wooden's father taught him one basic principle: "Don't whine, don't complain, don't make excuses...just do the best you can." If you have ever lived close to Indiana, as I have, you know that high school basketball there is even bigger than high school football is in Georgia, and the State Tournament is the biggest event of the year.

In Coach Wooden's senior year of high school, his team lost the state championship game by a single point. Coach Wooden was the only member of his team who didn't cry after the loss. The reason was because even though he was disappointed, he knew he had done just what his father said—he had done the best that he could.

When he got home from that loss, his father put his arm around him and said, "Johnny, I want you to remember something, and he told him this poem:
You're going to be better than some,
And some are going to be better than you;
But you should never accept the fact that you
Didn't make the effort to do the best that you can do.

That's all God calls us to do; to do our best to use whatever gifts He has given to us for His glory.

III. God's Glory Will Result In Your Gain

"After a long time the lord of those servants came and settled accounts with them. So he who had received five talents came and brought five other talents, saying, ‘Lord, you delivered to me five talents; look, I have gained five more talents besides them' His lord said to him, ‘Well done, good and faithful servant; you were faithful over a few things, I will make you ruler over many things. Enter into the joy of your lord.' He also who had received two talents came and said, ‘Lord, you delivered to me two talents; look, I have gained two more talents besides them.' His lord said to him, ‘Well done, good and faithful servant; you have been faithful over a few things, I will make you ruler over many things. Enter into the joy of your lord.'" (vv.19-23)

Now hopefully you will understand what the real test of the talents was all about. It is not what gifts you are given, or how many gifts you have, but what you do with the gifts you have that really count with God. That's why both the five talent man and the two talent man received exactly the same reward. It didn't matter who started with the most talents. It simply mattered what each did with the talents that they had. It's not what you have, it's what you do with what you've got that counts with God.

Now the emphasis on this parable is not on the faithful servant, but on the unfaithful servant. Notice how he responds: "Then he who had received the one talent came and said, ‘Lord, I knew you to be a hard man, reaping where you have not sown, and gathering where you have not scattered seed. And I was afraid, and went and hid your talent in the ground. Look, there you have what is yours.'" (vv.24-25)

The only one of these servants who gave an excuse for his performance was the person who did nothing. You know I am convinced the only people in life who make excuses are the "do nothings." I find it interesting that when Jesus asked the two faithful servants what they did with their talents, they simply said, "we took the talents you gave us, and made more talents beside." But the unfaithful servant took forty-three words to say basically "I did nothing."

This man had buried his talent. He didn't even put it in the bank; he didn't put in a CD; he didn't even try to draw any interest. Now he could have. The ancient Roman Empire had a banking system that was in many respects like those banks of today, and the interest earned on deposits was about 6%. I mean this man could have simply, by going to one of these Roman banks, made 6% on his money, but he didn't do anything. You may think that is foolish, but I've got news for you.

You know what I see when I look out at this congregation? I see buried talent everywhere. I see buried talent of singing, buried talent of teaching, buried talent of serving, buried talent of working, all over this building. Now I know you may be sitting there with your pet excuse for why you don't do anything for God: "I'm too busy;" "Well, I do give money;" "Well, I do faithfully attend." Well, I want you to understand something. There is no excuse for not serving God.

"But his lord answered and said to him, ‘You wicked and lazy servant, you knew that I reap where I have not sown, and gather where I have not scattered seed. Therefore you ought to have deposited my money with the bankers, and at my coming I would have received back my own with interest." (vv.26-27)

Now the slave tries to pass the blame off on the master, but notice what the master said: "If you thought I would demand a return on what does not belong to me, do you not think I would require a return on what does belong to me?" The slave was verbally hanged with his own verbal rope.

Now we learn the hard lesson of the parable. Whatever you do for God now will reap an eternal reward later, but whatever you don't do for God now will be lost forever.

"Therefore take the talent from him, and give it to him who has ten talents. For to everyone who has, more will be given, and he will have abundance; but from him who does not have, even what he has will be taken away. And cast the unprofitable servant into the outer darkness. There will be weeping and gnashing of teeth." (vv.28-30)

Put simply—use it or lose it. Now this man may have been upset because he only had one talent. But having little to work with is no excuse for not using it at all. Someone has said, and said it well, that the great danger between the things we think are too small for us to fool with, and the things that we think are too great for us to attempt, so that we wind up doing absolutely nothing at all. Hear me and hear me well. No talent is too small, and no task is too trivial if it can be used in the kingdom of God for the glory of God. What you don't use you will lose.

The great reward in all of this is just to simply hear the Master commend you for what you have done. I heard about a man eating in a restaurant who was furious when his steak was brought to the table and it was too rare. All red in the face he said, "Waiter, didn't you hear me say, ‘Well done?'" I tell you the compliment of all compliments is to stand before the God who made you, and the God who gifted you, whether you are a five talent man, or a one talent man, and hear Him simply say, "Well done, you good and faithful servant."

This all leads me to ask every one of you who claim to know Christ as your Lord and Savior this question: Did Jesus make a good investment when He saved you? How would you feel if you went to a bank, opened up a savings account, put $1,000 a year in that account for ten years; and at the end of the ten years went to collect your money, and only received $10,000? How would you feel when you asked the banker what happened, and he told you they didn't put your money in an interest-bearing account; they just simply went out back of the bank and buried it in the ground. You would be livid. But how do you think God feels when He invests gifts and abilities in you straight from His hand, and then you fail to use them for His glory?

You see, as long as you live God wants you to be faithful with what you have, and faithful where you are. That's why Jesus Himself says, "He who is faithful in little, will be faithful in that which is much."

"Father, where shall I work today?"
And my love flowed warm and free.
He pointed out a tiny spot and said,
"Tend that place for Me."

I answered him quickly, "Oh no! not that!
Why no one would ever see,
No matter how well my work was done;
Not that little place for me.

The word he spoke then wasn't stern;
He answered me tenderly:
"Nazareth was a little place,
and so was Galilee."[1]

Look at your hands, look at your heart, realize everything you have is a gift of God to be used for His glory, and your gain. Whatever gifts you have use them, don't lose them.


1. Cited by David Roper, The Strength of a Man, Grand Rapids: Discovery House, (1989) 1110

ChristianGlobe Networks, Inc., Collected Sermons, by James Merritt