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What Are You Doing With What You've Got?

January 22, 2026
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God has entrusted every believer with gifts, abilities, and opportunities — but what are you doing with what you’ve got? In this powerful message from Pastor Jeff Schreve, discover the life-changing truths from Jesus’ Parable of the Talents in Matthew 25. Some invest what God gives them and see it multiply for His glory, while others bury their blessings in fear or apathy. One day, the Master will return to settle accounts. Will He find you faithful with what He’s placed in your hands?

References: Matthew 25:14-30

Guest (Male): It is said that life is made up of opportunities. Opportunities, chances to step up, chances to make a difference, doors that God opens for you and me to step through. So what do you do when opportunity knocks?

Guest (Male): Thank you for joining us today on From His Heart with Pastor Jeff Schreve, who today will clearly remind us that God has entrusted each of us with time, resources, and abilities, not to hide or hoard, but to use them for His glory.

Today we'll be asked to seriously consider this question: What are we doing with what we've been given? The lesson today explores the parable of the talents, encouraging believers to live with purpose and courage as good stewards of God's gift. The lesson is called Buried Talent, from the new nine-message series that we've been in all this month entitled, When the Son of Man Comes: A Study of Matthew Chapters 24 and 25.

This series is also our gift of thanks to you for your support this month of any amount to the ongoing outreach of From His Heart Ministries. Just go to fromhisheart.org to make your gift and receive the copy in the format of your choice. Now, though, we hope that you'll open your Bible to the book of Matthew, chapter 25, and let's go see how valuable it would be to dig up and use your buried talent.

Dr. Jeff Schreve: Now, we're in a series on the Olivet Discourse, Matthew 24 and 25, and we're coming toward the end. So this is what the scripture says, Matthew chapter 25, beginning in verse 14.

For the kingdom of heaven is just like a man about to go on a journey who called his own slaves and entrusted his possessions to them. To one he gave five talents, to another two, and to another one, each according to his own ability, and he went on his journey. Immediately, the one who had received the five talents went and traded with them and gained five more talents.

In the same manner, the one who had received the two talents gained two more. But he who received the one talent went away and dug a hole in the ground and hid his master's money. Now, here's our big question for today: What are you doing with what you have been given?

So three discoveries from this parable. Discovery number one: God entrusts a certain amount of talent to each one of us. Talent is in italics because when we think of talent, we think of some special ability that you have—a talent to sing or a talent to play an instrument or whatever your specific ability might be. But in the parable, that's not what it means.

A talent was a unit of weight. And when it says that the master, who's on a journey, he entrusted his own possessions to them, a talent was money—60 to 80 pounds' weight of money. In this case, it would have been silver. One guy gets five bags, 60 to 80 pounds of silver. The other guy gets two bags of silver, and the other guy gets one bag of silver, 60 to 80 pounds. And it says he gave that each according to his own ability.

Now, the word "ability," *dunamis* in the Greek, means power, might, strength, capability. And that was the master's prerogative to dole out his possessions the way he saw fit. Now, it's a fact of life that some have more abilities and opportunities than others. But that's okay. It's the master's prerogative. He doesn't make us all the same.

Some people are smarter than other people. Some people have brain smarts, and some people have street smarts. Some people are good with numbers, and some people are good with words. A lot of times, somebody can excel in a certain field, and they think that covers every other field.

So just because you're great at brain surgery doesn't mean you're necessarily great at being a politician. It doesn't mean you're necessarily great at fielding questions and answering things on the fly, as so many of those politicians have to do. That's a different skill set. And I had never forgotten that.

I remember talking to Dr. Richard Land one day. Richard Land was president of a seminary, a very, very smart guy. And I asked him this question. I said, "Dr. Land, let me ask you: who do you know that you would say is really, really smart?" And I loved his answer. He said, "Jeff, people are smart in different ways. Some people are really smart with numbers. Some people are really smart in business. Some people are really smart when it comes to reading people and how to deal with people."

And so God doesn't make us all the same. And some have more ability in certain areas than others. And because they have more gifts, talents, and abilities and capabilities, they're given more, and more opportunity when you have those things. And some say, "Well, sounds like God is not very fair. Why does he give this guy five talents and this guy two talents and this guy one talent?"

The guy that had one talent, I could see where he felt ripped off because he didn't get as much as the other guy. Well, listen, here's what the Bible says, Luke 12:48: "To whom much has been given, shall much also be required. And to whom they have entrusted much, of him they will ask all the more." God is fair. And if he's entrusted you with a lot, he is going to expect a lot from you.

If you're a five-talent person, well, God expects a five-talent return. If you're a two-talent person, he expects a two-talent return. If you're a one-talent person, he expects a return—a one-talent return. And some have more abilities and opportunities than others, but everyone has something entrusted to him or her.

Now, when you think about a talent, 60 to 80 pounds of probably of silver, the master entrusts his possessions, and some translations use the word silver. Well, a talent, if you put it into the first century, a talent was equal to 6,000 denarii. A denarius was the wage of a soldier for a day's work. And a common worker would make 300 denarii a year.

So a talent is 6,000 denarii. That's 20 years' wages for a talent. Now, if you put that—just do the math real quick in your head—say a guy makes $50,000 a year. $50,000 times 20 is a million dollars, right? I think I did that right. People are smart in different ways. I'm not smart in math. So I think that's right. That's a million dollars.

So when the master gives out, entrusts his possessions to these guys in the parable, we put it in today's terms: one guy gets five million dollars, one guy gets two million dollars, one guy gets one million dollars. Well, a million dollars is not chump change. It's not like, "Here's 50 cents." No, you have a sack of silver coins, 60 to 80 pounds' worth. That's equivalent to 20 years' wages. You have a million dollars. Everyone has something entrusted to him.

So what are you doing with what you've been given? Now, I love the story of Fanny Crosby, the great hymn writer and poetess of yesteryear. You know her story, where she was a healthy little girl, but a quack doctor provided the wrong treatment for her and burned out her eyes with some hot mustard poultices they put on her eyes because he thought that was going to help her with some kind of problem she had. Well, it made her go blind. She wasn't blind, but that made her go blind.

And Fanny never complained about her blindness. In fact, she wrote this little poem: "Oh, what a happy soul am I, although I cannot see. I am resolved that in this world contented I will be. How many blessings I enjoy that other people don't. To weep and sigh because I'm blind, I cannot and I won't." And God used her in great ways, even though she had lost the gift of sight.

So God entrusts—very first discovery—he entrusts a certain amount of talent to each one of us. Second discovery: God expects us to use what he has entrusted to us. He expects a return. This man obviously expected a return. "I'm entrusting my wealth with you—five talents, two talents, one talent." And the inference is recorded in Luke chapter 19 is this: "Do business with this until I return." "Hey, here's my wealth, and I'm entrusting it to you, and I want you to use it."

The Bible says in 1 Peter chapter 4, verse 10: "As each one has received a special gift, employ it in serving one another as good stewards of the manifold grace of God." So in the parable, he entrusts his wealth, and he went on his journey. Verse 16: "Immediately, the one who had received the five talents went and traded with them and gained five more talents. In the same manner, the one who had received the two talents gained two more. But he who received the one talent went away and dug a hole in the ground and hid his master's money."

Guest (Male): Was that a good idea? A selfish idea? A person who was scared, who didn't trust God to use his or her talents for God's glory? Could be these reasons or many more, but God didn't create us to bury our talents, but to use them for His glory. And that's why we, you and me, were created.

We know that because, as C.S. Lewis implied in his teachings, no other animal or insect or breathing creature knows they were created. But we do. We know we were, and that also demands a reason for that knowledge. We have that to serve God, who loves us and created us and died for our sins. What a gift we have to use our talents for the kingdom.

Pastor Jeff will elaborate a bit more on this in just a moment. But a reminder that today's message, "Buried Talent," is one of nine in Pastor Jeff's new series, *When the Son of Man Comes: A Study of Matthew Chapters 24 and 25*, where Jesus prophesied His return, detailing the signs and the promise of His second coming.

In it, you'll discover how this promise gives each of us and all of us hope, urgency, and a guaranteed confidence as we wait for His glorious return. This new series is our gift of thanks to you for your support of From His Heart this month of any amount. And we hope you'll request it when you make that gift and call 866-40-BIBLE, 866-40-BIBLE, or go online to fromhisheart.org.

Again, the name of the series, *When the Son of Man Comes*. It's available on a USB flash drive, CDs, DVDs, or an MP3 download, your choice. What did Jesus say about the end of the world and His glorious return? Learn about it all in this series we're offering today. Thank you for helping us reach the world with the good news each and every day that God loves you. Now, here again is Pastor Jeff Schreve to continue this lesson, "Buried Talent."

Dr. Jeff Schreve: God wants us to work with what we have. He wants us to use what we have been given. And the five-talent guy and the two-talent guy, they both acted the same. Immediately, they went and took the master's money and began to trade with it and began to work with it and began to invest it and began to use it. And they used it wisely, and they used it faithfully.

Now, God wants us to do that. He wants us to work and to labor. Jesus said in John chapter 9, verse 4: "We must work the works of Him who sent me as long as it is day. Night is coming when no one can work." There's an old saying—I learned this in college—"You make hay while the sun's up." You have to do your work while there's daylight to get your work done.

Debbie was always great with the kids because Debbie's very disciplined. One of the things I love about Debbie, she's very, very disciplined. And so she would teach the kids discipline. They'd come home from school, and she'd say, "First thing we're doing, we're having a snack, and then we're doing our homework." And they would all sit down to do their homework because Debbie said to the girls, she said, "Listen, once you do your homework, then you can play. But you don't come home and play and then wait and wait and wait, and then you're tired, and then your homework's due." She said, "No, we knock out the homework first."

And so God wants us to work and to labor and to trade and to use the gifts and talents and abilities he's given us for his glory. So here's a big question: are you working with what you have? Are you using your gifts and your talents and your abilities and the resources God has entrusted to you for the master?

Everything belongs to God. The earth is the Lord's, Psalm 24, and all it contains. You and I, we don't own anything. We're just stewards. We're just managers of his possessions. So this is a great parable that teaches that. The slaves didn't own anything. They were just managing the master's possessions.

So God expects us to bring a return. He expects us to work with what we have. What he doesn't expect from us and what he doesn't want us to do is to bury what we have. And that's what the one-talent guy did. Now, we don't know why. We don't know everything about what was going on in his head.

But maybe when the master met with those three guys, they were all in earshot. They knew what the others got. He could have been like, "A one talent? I'm as good as that five-talent guy. I'm as good as that two-talent guy. Why did I just get one talent? One talent isn't anything." And he was comparing, perhaps. It's easy to do, right?

We're not to do that. We sing that song, "Count your blessings, name them one by one." But we tend to compare our blessings. You compare your blessings, you're going to get yourself in trouble because comparison either makes you proud—"I have more than you do"—or it makes you ungrateful—"You have more than I do. That just stinks. I'm getting ripped off here."

So we live our lives, we keep our eyes fixed on Jesus. Whatever God does for somebody else, that's their business with God. My job is to just use what God gave me. But this one-talent guy, he went and dug a hole in the ground and he put the master's wealth there. He put that sack of money there.

And that was common in that day, that they would bury things in their property for safekeeping. And you know, we have some of these treasure maps that you've seen in movies before. And you know, X marks the spot, and it's by this tree, you go six paces and turn left and go to the rock and whatever, it's going to be under there. They kind of did that. And they would bury their wealth. That's what this guy did. He buried his wealth.

Now, when the master entrusts his wealth to you—and like I said, this guy doesn't have nothing, he's got a million dollars—but if you bury it in the ground, you can't trade with it. You can't invest it. You can't buy and produce. It's doing nothing for you. Sadly, there are a lot of believers who have been entrusted with a spiritual gift. As each one has received a spiritual gift, employ it in serving one another as good stewards of the manifold grace of God. And they're not doing anything with it.

Maybe they have been given a gift of teaching the Bible, but they're not teaching the Bible. They're not teaching anyone. Maybe they've been given a special gift to communicate the gospel through song, but they're not singing. They're not doing anything with it. Maybe they have the business mind that God has blessed them with and they can produce a lot of money, but they're not giving any of it to the Lord's work. Well, they're just burying their talent in the ground.

I like this quote from Zig Ziglar. He said this: "You are the only person on earth who can use your ability. I can't use your ability. Only you can use your ability." That's what God has given to you. Have you been burying your master's treasure, his talent in the ground? It's a serious question because discovery number three: God will one day settle your account.

Says in verse 19: "After a long time"—and that's an indication that the time between Jesus' first coming and second coming from our perspective is going to be a long time. From God's perspective, it's not, because with the Lord one day is as a thousand years and a thousand years as one day. The Lord is not slow about his promise as some men count slowness, but is patient toward you, not wishing for any to perish but for all to come to repentance.

But from our perspective, one day is not like a thousand years. One day is like one day, and a thousand years is like a thousand years. And so after a long time, from our perspective, the master of those slaves came and settled accounts with them. It was a day of reckoning. And the big question is, "What did you do with what I gave you?"

The one who had received the five talents came up and brought five more talents saying, "Master, you entrusted five talents to me. See, I have gained five more talents." His master said to him, "Well done, good and faithful slave. You were faithful with a few things. I will put you in charge of many things. Enter into the joy of your master."

Also, the one who had received the two talents came up and said, "Master, you entrusted two talents to me. See, I have gained two more talents." His master said to him the same thing, "Well done, good and faithful slave. You were faithful with a few things. I will put you in charge of many things. Enter into the joy of your master."

Now, remember this for those who use what God has entrusted to them. We call them the faithful because Jesus said, "Well done, good and faithful slave." The faithful will be greatly excited and greatly blessed when the master returns. They're excited because they know they haven't been resting on their laurels. They know that they have been busy working.

They're waiting for his return, yes, but they're working until he returns. They're doing business with the master's resources that he has entrusted to them. They are making hay while the sun's up. And so when the master comes, they can't wait to show him. You know how little kids are? They get so excited about things, they can't wait to show you certain things.

Now, I've talked a lot about my grandson Jack. I just love little Jack. And I love all my kids and grandkids, but there's something about little Jack. You know, he's the one that shaved his head so he could look like his Gigi. Well, so we're going to Houston over July 4th, and Jack sometimes doesn't sleep very well. Jack is getting ready to be four years old, and then Chase is two, and then the baby is only four months old, little Drew.

And so Amy and Travis are up with the baby because he's only four months old, but sometimes Jack reverts to babyhood and he's up too. And so then they're up with both of them. So I just said, "Listen, when I come, I'll stay in Jack's room. I'll sleep with Jack." And Amy said, "Well, we don't have a bed for you there. Jack's got this little small bed. You wouldn't fit in there." And she said, "Well, maybe I'll get Jack a bed. This would be a good time to get Jack a bed. I'm going to get him a trundle bed."

Jack doesn't know what a trundle bed is, but he's telling everybody under the sun, "My Gigi's coming to sleep with me in my new trundle bed." And he just can't wait to tell somebody. "Well, my Gigi's going to come and say..." and he showed me he got his mattress and he showed me he thought that was a trundle bed. You know, he's on his mattress and I'm ready for Gigi to come. He's just excited to show me his room, to show me his trundle bed for us to be together.

Well, when you have something, you want to show it off. You know, it's like, "Look, Lord, look, look what I... You gave five talents to me. Here are five more. You gave two talents to me. Here are two more." So the faithful will be greatly excited when the Lord returns and they will be greatly blessed. "Master, this is what you entrusted to me and look what I did with it."

Now, it's not about look how great I am, master, but "Look what I did for your glory because I wanted you to be glorified when you came. I wanted your wealth and your resources to grow." And they're so blessed. Both of them together, the five-talent guy and the two-talent guy, because they hear the same commendation: "Well done, good and faithful slave. You were faithful with a few things. I will put you in charge of many things. Enter into the joy of your master." And they got affirmation, commendation, and then promotion. "I'm going to put you in charge of many things because you're faithful with a few things."

Guest (Male): Theologically, this verse teaches and reminds us that God values faithfulness over apparent size or impressiveness. What matters is using what he's given: gifts, opportunities, resources, gospel truth, in obedience and trust. Well, you've been listening to From His Heart with Pastor Jeff Schreve today. We're right in the middle of the eighth message out of nine in the series *When the Son of Man Comes*. The lesson today, "Buried Talent."

This series is our gift of thanks to you for your support of any amount to From His Heart this month. To find out more, call 866-40-BIBLE, 866-40-BIBLE, or go to fromhisheart.org. We simply can't thank you enough for being obedient to God's impression on your heart to support this ministry, from which Pastor Jeff receives zero income. He is our chief volunteer. God bless you.

Well, this has certainly been an engaging study from Matthew chapter 25, but there's much more to be covered on the next broadcast where, after a brief review, Pastor Jeff will continue the lesson. So make sure that you're with us then. And remember that From His Heart is the listener-supported broadcast ministry of Dr. Jeff Schreve, who's been called by God to speak the truth in love to a lost and a hurting world. Join us for part two of the message, "Buried Talent," on Friday, when we'll again open God's word and share real truth, real love, and real hope from His heart.

Guest (Male): Thank you for being with us today for From His Heart. See you next time.

This transcript is provided as a written companion to the original message and may contain inaccuracies or transcription errors. For complete context and clarity, please refer to the original audio recording. Time-sensitive references or promotional details may be outdated. This material is intended for personal use and informational purposes only.

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About From His Heart

From His Heart Ministries is the TV, Radio and Internet broadcast outreach of Dr. Jeff Schreve who believes that no matter how badly you have messed up in life, God loves you and has a wonderful plan for your life. We’re on mission to help a new generation discover their creator through the preaching of the compassionate, relevant, yet uncompromised truth of the Gospel. Pastor Jeff speaks the truth in love with clear biblical content combined with engaging, personal stories. His messages are filled with life-giving principles for everyday living and eternal assurance.


On Television: From His Heart is seen each week on Lightsource and also around the world on The Hillsong Channel, NRBTV, The Walk TV, and hundreds of TV stations across America and around the world. Go to Click Here to find the station near you.


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About Dr. Jeff Schreve

Jeff's life has been radically changed by Jesus Christ.
Growing up in a church-going home, Jeff learned a lot about God, but he did not know God. He believed in Jesus in the same way he believed in George Washington: he knew Jesus was real, but had not personally met Him. All this changed one night after a Young Life meeting when he was alone in his bedroom. There Jeff saw his need for Christ and His forgiveness and surrendered his life to Jesus.

As a student at the University of Texas, Jeff grew in his Christian life. He graduated with a degree in business and moved back home to Houston, Texas to start a career in business. There he met his future wife, Debbie, at a single's group meeting at Champion Forest Baptist Church. They were married in 1986 and have been blessed with a wonderful relationship and three awesome daughters and two beautiful grandchildren.

A New Direction
After spending 13 years as a chemical salesman, God called Dr. Schreve to preach. He left his secure position and moved his family to North Carolina to attend Southeastern Baptist Theological Seminary. It was a scary and difficult move to make ... but it was one of the best decisions they have ever made. One year later, God called them to serve on staff at Champion Forest Baptist Church. In 2000, he completed his Master of Divinity degree graduating from Southwestern Baptist Theological Seminary. He graduated with a Doctor of Ministry degree in 2014 from Southeastern Seminary.

Jeff Schreve has been the senior Pastor of First Baptist Texarkana in 2003, a growing and exciting church with 4500+ members.

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