Abdur Rahman ibn Yusuf Mangera – How to Protect Your Wealth
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Bismillah Al Rahman Rahim Al hamdu Lillahi Rabbil Alameen
wa Salatu was Salam Warland Magufuli Ramadan Lara Alameen WA.
He will be your Baraka was seldom at the Sleeman cathedral Illa yo
Medina another call Allah with a Baraka with her if he will for
carnal Hamid
Yo my Johanna Ali, fina, the Jahannam for Taqwa Bihar. Jeeva
who would you know who to whom has kindness to me and fusi kung fu
quantum technique soon.
Because sallallahu alayhi wa sallam Mahala Cameroon fee Baron
whatever in.
Ellerbee perhaps is a Kurt Volker in the BU sallallahu alayhi wa
sallam has seen and where there can be circa whether Murdoch can
be sadaqa My dear respected
friends
Assalamu alaykum Warahmatullahi Wabarakatuh.
Allah subhanho wa Taala has great wisdom in the way he does things.
Sometimes it takes us quite a while to understand the wisdom
behind the way things are in this world sometimes. So one of the
things is that Allah subhanho wa Taala has kept great discrepancy
in terms of
the wealth of different individuals, everybody sitting
here will be of a different status in their wealth. Some people will
mashallah have lots of money, lots of disposable income,
some people will be
struggling. For some people, it will be difficult life will not be
so easy.
Just as a source of consolation, I read a hadith in Sahih al Bukhari
yesterday,
that, and this was in the chapter of recaulk, heart softening a
hadith in which he spoke about the final days, the hisab, on the Day
of Judgment, that accounting, the reckoning, and he mentioned that
the one group of people that will enter before others will be those
people who have been poor in this world that have less to deal with
tax returns are easier for poor people, they don't even have to
fill them in.
The more you have, the more addendums you have to add, the
more sheets you have to fill in, the more forms you have to fill in
just light as it is in this world. In the hereafter, the more money
you have. And this is not to say you shouldn't have any money.
Don't get me wrong here. This is not what I'm trying to say. I'm
just mentioning this. The Prophet salallahu Alaihe Salam liked to
keep himself as voluntarily pour. Millions would pass through his
hands, but he kept himself at the status as the lowest person in the
community. That's a major achievement. That is what you call
the profits, so that the lowest person in the community, the most
poorest individual, if he's hungry, he would find consolation
and solace in the fact that his prophet was also hungry. months
would pass by weeks would pass by days would pass by as I should
have the Allah Juana said that we would just survive on dates and
water and nothing would be cooked under fire, the fire would never
come on. This was the status of Rasulullah sallallahu sallam,
despite the fact that the riches of the world collected would come
through his arms, his hands, and he would give them over to others.
So this discrepancy that we have in this world is for a number of
reasons. There's a discrepancy in everything. There's differences in
the law for all Cinetic Kumar, Alwan income, as Allah subhanaw
taala mentions in the Quran, everybody's different. This is
what makes this world and this dunya in gives it its excitement
and its beauty. This is what it is, if everybody was the same
cookie cutter style, coming off a conveyor belt, if everybody was
the same, what excitement would they be in this world? What
difference what challenge? What kind of interaction would we have
with anybody else? So now, the what Allah subhanaw taala has done
is he's taught us how to live in any circumstance. If you're a
wealthy person, we have an example in we have an example and we have
a we have role models to follow in that in the in the people like a
smartphone or iPhone, I'm drama and now Zubaydah and I won, and
numerous others have that will wealthy millionaires or
billionaires and if you're poor, then you also have a boo Herrera
the Allahu and you have rasool Allah you have so many people, you
have Allah subhanaw taala has told the wealthy there's certain things
humans to Allah subhanaw taala has told the poor, you must be patient
and keep your coworker and reliance on Allah subhanaw taala
and there are many of us in between. Now, the point of today's
discussion is that I remember once a person came to me I was giving a
programming Ramadan in Los Angeles in Orange County, actually and
this individual came to me and he said to me, shake I've got a big
issue. This was just after the main pro
Rome. We were going to have another program later, but they
were just after the main program. He says he came I've got I've got
some major issues in my life. I've done all of these businesses, he
seems to be an on a seem to be an entrepreneur, somebody would like
to get in himself into different businesses, but nothing seemed to
be going right. So he comes in, he says, I need something, I need
somebody, I need to help me out. You know, none of these businesses
are going right. Basically, I roll the dice, I never get a six. I
mean, that's a metaphor. It's an exaggeration. So it's never going
right for me. And he seemed to be, you know, he's an older kind of
individual Middle Ages, with children, etc. I gave him a few. I
gave him a few things. I gave him a bit of advice. Later on. As the
night proceeded, it was one of the big nights and as the night
proceeded, he came back to me, he came back to me. And he said to
me, that I haven't given a cut of my wealth. It's been so many years
that have no pizza cut, somehow sitting there, he was inspired,
that this is the cause of your problem. So he came to me and he
confessed openly that I haven't given the cards for a long time. I
said, you've just hit the nail on the head. This is your problem.
This is your problem. You're trying everything that you want to
do. You want abundance, you aren't quick, rich schemes. You're doing
all of these things to diversify your wealth. Don't put anything in
one pot, don't put everything in one pot diversify. If one industry
goes down, you got the other he's doing all of these. So from a
capitalist perspective, you know, from a business MBA perspective,
he seems to be doing everything right, to a certain degree, but
there's something just pulling the ground for now underneath. It's
like there's an endless pit in which he's throwing his money, and
he's just going somewhere else. The reason is that Allah subhanaw
taala has told us to do two things. He has instituted zakat,
one of the meanings of Zakat is purification. Zakat is not only a
purification of the person from their sins, because it's a
fulfillment of one of the main pillars of Islam. It's a pillar of
Islam, you have money, you have to base the cat on it. So it's a
purification of the individual, their heart, their closest to
Allah their relationship. That's one thing. Number two, whenever we
have wealth, whenever we have wealth, we don't know where all of
our wealth comes from. Meaning we see the apparent source of our
wealth. But in especially in this time and age, when the entire
industry that we live in is based on usury and interest in a big
bubble. And subhanAllah where is this wealth coming from Halal
haram sources, doubtful sources. Now, I don't want to make us
paranoid about this. But regardless of when anybody lives
and this is the stories with Imam Malik Rahim, Allah about this etc.
What happens is part of our wealth that we earn, even if it's from an
apparently Hello source, there's going to be some pollution in
there, some corruption, some adulteration in their zakat, what
it does is it fulfills two different things, it fulfills a
number of purposes. One of the purpose is that it fulfills the
purification of the wealth as well. When you have purified
wealth, it is then less likely to be destroyed by calamity, it is
then less less likely to attract calamity, to attract a negative
influence of that sort. We in Islam, we believe in positive
influences and negative influences. When you don't have
dirt as part of something it's pure, it's clean, it's protected.
So I earlier mentioned stay on will do you will be protected
because that's a good state to be in the state of voodoo and
ablution. When you're not in a state of ablution you're in a
weaker state from the shaytaan as well. It's a general understanding
in this keep on Huso Don't be in a seminal defile state are well
should also be purified because none of us really always knows if
every cent every penny that we earn is 100% Halal regardless,
even if it was 100% halal, we still have to pay Allah has made
it easy for us. It's not everything you earn that you pay
Sacaton income tax 20% 25% 30% 45% 40% Whatever it
is, you have to pay on every penny that you that you earn depending
on your threshold, there's no you know, there's it gets taken out
before you even get it. However, in soccer, it's not like that
Allah has made it very easy. Despite 20 I mean the relative to
20% It's only 2.5% which is literally two pound 50 from every
125 pounds from every 1025 pounds from every 1250 from every 10,000
people making 20,000 How much are they paying a year zakat?
500 be double that amount 500, but not 500. If you don't have the
20,000 that God is only paid on your retained wealth after a year,
not on what you earn right off. So if my expenses if my income is
20,000 and my expenses in between what 10,000
On, I've only got 10,000 that is free of debt that I don't owe
anybody and I've got 10,000 sitting in my bank, then I only
pay zakat on that, if my expenses were 15,000 or 18,000. And I've
only got 2000 left, that's all I pays the cards on, I pay, I pay on
2000, which means I pay 50 pounds at the end of the year. Now, if
somebody can't even pay that, you know, everybody knows this. And if
you've got a debt that's bigger than your return, if I've only got
10,000 in the bank, but I owe 30,000, to my dad or my brother or
somebody else, even interest free loan, then I don't owe any zakat,
because I'm actually 20,000 negative.
So this is as easy as it's made. So one of the person's purpose is
to fulfill purify the wealth. Number two, it's to purify the
individual and keep them close to Allah subhanho wa Taala number
three, sympathy with the poor, to even out the balances in this
world to help those in your local community that don't have that,
you know, many people actually send this ecard outside the
country we actually have local effort Alhamdulillah narwhal
benevolence fund to deal with local poverty, you'd be surprised.
There are people who are poor locally, you'd be surprised you
think everybody makes it by now there are people who are who are
who are poor locally, you'd be surprised at that. But anyway,
this is the purpose of the cuts. If a person doesn't pays the God
listen to listen to what happens to his wealth. There's a hadith in
Muslim. There's a hadith in Sahih Muslim which mentions that the
Zakat is the wasI who am worldliness. It's the dirt of the
wealth of people. That's why you cannot give zakat to the family of
Rasulullah sallallahu alayhi wasallam. The owner does not allow
them to accept the card you can give them a gift, but you cannot
give them zakat. They're not allowed to accept zakat. It's the
worst or unwillingness, as in the Hadith or Muslim. That's why
majority of Omar will concur with this that you can not use the card
on building a masjid because it's the dirt you're building an
institution of Derawan guidance. Yes, there are some fatwas out
there that allow it. But those are those are isolated opinions,
because it goes against the whole spirit of the cards the card is
for the poor. Zakat is for the needy, Zakat is to even out those
balances. And subhanAllah, there was a scholar who gave a speech in
the UN, about a decade or more ago. I know this scholar, and what
he mentioned, there was one thing very important. He said that if
you take the statistics of the World, and the rich people that
should be paying zakat, and you take the poor people, there's
definitely an imbalance there no doubt is the top wealthiest
people, the top wealth of the world is concentrated in a very
small amount of people. But regardless of that, anybody who
should be paying zakat, if they do pay 2.5% of their retained wealth
at the end of the poverty would be removed from this world. But the
problem is that this doesn't always happen. We know in history
where it did happen. If you go and study your American Abdulaziz, the
Khalifa in the Obama years who followed Soleimani Bogdan medic.
He became Khalifa by accident. He was actually a cousin. So they
might even have the medical was in the line of under Medicaid number
one, who's who he tried to make his children the next Khalif but
they were too young. And one of his advisors who was a pious
individual, he suggested to him that ask Omar Abdulaziz, your
cousin who was the governor of Madina, Munawwara at the time,
when Omar Abdulaziz came in, he ruled for two years and four or
five months within that time in North Africa.
It became such that when there's a cut collector with his The car
went to look for people to give it to, nobody would be able to accept
the cut, because everybody had enough that prevented them from
taking Zika they were no longer technically considered poor. So
this is in North Africa, in the end of the first century of Islam,
that this has been already shown within the domain. This is when
you've got a pious ruler, and knowledgeable pious Shula the
Majid did of the first century the revival of the first century. And
he puts that he creates that culture of understanding it says
that in his time, rather than people talking about business and
what they earned and flashy cars and clothes and things they
started talking about how many know awful have you done brother
yesterday? Because this was the effect top down and NASA Dini
Modoki him. People are on the on the dean of the rulers. So this is
what they manage. Now that's asking for a lot today, but that's
beside the point. The point is, that Zika is extremely necessary.
The Prophet sallallahu alayhi wa sallam said,
protect your wealth has sinew Amala calm protect your wealth
business occurred by zakat by taking out that 2.5% Protect the
rest of your wealth. What does walmart.com Be sadaqa and cure,
cure your ill and you're sick by giving sadaqa sadaqa removes the
anger of the Lord or sadaqa to to rob
it removes the anger of the Lord. It provides Baraka in the house.
This is addition
sadaqa Zakat is necessary that's a pillar of Islam. The Prophet
sallallahu sallam said Ma Hello, come on on fee back in Walla
burgeron, illa. behalfs is a curse, that any wealth that is
going to be depleted, destroyed, in whether on the land or the sea,
it's just an exaggeration, then it can only be depleted because of
withholding is a cut. I know somebody personally or a distant
relative, and this is a story of about 25 years ago, his business
burned down in one of the Northern towns, his business, his his
business burned down. And
his wealth did not his his his money that I mean, those days,
people used to keep a lot of money in places, right, apparently, that
money was not touched. He was very diligent about giving us the guts.
You don't know the baraka of giving zakat. It's fulfilling an
obligation, improving our connection with Allah subhanho wa
Taala purification of our wealth. And essentially, it's to our
benefit.
We're removing the toxins from our world.
It also another wonderful thing is that if you have wealth that zakat
has been given on
that wealth of yours because of its purity, it will protect you
from sinning with that wealth. Since take place when a person has
too much money, then they feel that I can go here I can take this
trip, I can buy this ticket, I can go to this casino. I can do this.
When you got what money, money has mischief. That's the fitna of
money. Intrinsically, there's nothing wrong with it. But the way
you were made, it's it's just the way you were made. Your mother in
law, or daughter in law. individually. They're perfectly
nice individuals, put them together in some cases, and some
reaction takes place. Well, he's perfectly fine. The human being is
fine. Put them together sometimes. Sometimes problems take place
that's different now we'll give you the card and you'll notice
that your wealth, you will get Baraka that Baraka will actually
help you not to use wealth in Haram.
SubhanAllah. Today, we have many problems, there's addictions of
wealth, addictions of gambling, gambling is one of those things
that we have such a big problem with because you've got
always two or three gambling shops all together, one in front of the
other check around check on your high street, how many gambling
shops you have, because they can only have certain machines in each
one. So that's why they maximize it and they can make their money.
I talked to a person who is seriously addicted. He said it's
an addiction that you cannot smell on someone.
You can't see it. It's a psychological addiction. That is a
big problem. May Allah subhanaw taala And don't even get into it.
Get help if you're into it. It's a big problem, it will destroy you.
Rather give zakat and get your Baraka May Allah subhanaw taala
give us the trophy. I'm not doing any fundraising here. This is not
a fundraising event. This is literally just to talk right with
with consultation with the Imam this is just to remind us all of
this important institution of Islam of Xikar the pillar of Islam
so that we as a Muslim community, when individuals are healthy,
their money is healthy, then inshallah the community will be
healthy, then inshallah we can be saved from many of the challenges
that we're facing today. May Allah subhanaw taala give us the
trophies. May Allah allow us to think in more humanitarian ways
empathically about others to help the people. Muslims are the
biggest donors. Muslims are the biggest donors apparently in this
country. May Allah subhanaw taala give us the Tofik to do even more
and to fulfill this obligation while going with that one, and il
hamdulillahi rabbil aalameen