After a long time the lord of those servants cometh, and reckoneth with them…For unto every one that hath shall be given, and he shall have abundance: but from him that hath not shall be taken away even that which he hath. – Matthew 25:19,29

The man who has many talents requires much hard labor to use them all. He might make the excuse that he found five talents too many to put out in the market at once; you have only one; anybody can lend out his one talent to interest-it will cost you but little trouble to supply that; and inasmuch as you live, and inasmuch as you die, without having improved the one talent, your guilt will be exceedingly increased by the very fact that your talent was but little, and, consequently, the trouble of using it would have been but little too. If you had but little, God required but little of you; why, then, did you not render that? If any man holds a house at a rental of a pound a year, let it be never so small a house for the money, if he brings not his rent there is not one half the excuse for him that there would be if his rent had been a hundred pounds, and he had failed to bring it. You shall be the more inexcusable on account of the little that was required of you. Let me, then, address you, and remind you that you must be brought to account…In the day of judgment thy account must be personal; God will not ask you what your church did-He will ask you what you did yourself…Remember, it is not what your brethren are doing, but it is what you do that you will be called to account for at the bar of God; and each one of you will be asked this question, “What hast thou done with thy talent?” All your connection with churches will avail you nothing; it is your personal doings-your personal service towards God that is demanded of you as an evidence of saving grace. ~ C.H. Spurgeon

https://www.blueletterbible.org/Comm/spurgeon_charles/sermons/0175.cfm