Matthew 25:21, “His master said to him, ‘Well done, good and faithful servant. You have been faithful over a little; I will set you over much. Enter into the joy of your master.’”
I appreciate Franz Pieper’s comment on this parable, “…when God gives men His gifts, spiritual or physical, small as well as great, He does so with the express command that we employ them faithfully in His service; it is a transgression of His command to let them be idle. He that defaults in this service is an unfaithful steward” (Christian Dogmatics I:558). Thus, to be a faithful steward is to use what God has given you, no matter how small or great, and no matter whether it is little or large. To be given much is not a reason to be indolent and passive. To be given little is not a reason for indolence either.
Each are given what is allotted to them. Whether much or little, God has deemed it that you have these things. Use them, therefore, faithfully and wisely. If you are given much money, for example, do not squander it on luxury items. Rather, invest it, pay your bills, give to your church, give to the poor, and so on. If you are given little, you can do the same, only with more discretion.
The same applies to your time and your talents, not just your money. What time and opportunities has God given you to love and serve others? What talents has He given you for the sake of your own enjoyment and which you can also use to bring joy to others? Whatever it is, use these things for His glory, and you will be counted among His faithful stewards.