Adnan Rashid – 5 Steps to Financial Success

			I will be addressing five practical ways
		

			to live
		

			an effective financial life Five golden rules
		

			primarily taught by the prophet sallallahu Sallam itself.
		

			What are these five golden rules in my opinion,
		

			I will go through them
		

			one by one,
		

			and inshallah you will follow me in that.
		

			Rule number one,
		

			waking up early.
		

			Rule number two, starting small, aiming big.
		

			Rule number three consistency. Number four, choose the right job, or product. And number five, study
what you do, study your product, study your job, so that you can find it interesting.
		

			Before I indulge
		

			in these rules and give you the details of my presentation, I've been warned about timing I'm
notoriously known for going over my time and ignoring the timekeeper. I'm known for that. I'll try
my best not to do that today.
		

			One of our brothers earlier was talking about people coming to this country
		

			and coming with an intention to go back in the 60s, when some of our elders came to this country.
They came with the with the intention that they will make some money they will earn some pounds, buy
some land, buy a property and eventually return home what they called home, Pakistan in most cases.
		

			In the 60s and the 70s, there was an exodus of Pakistanis, Bengalis, and Indians and people coming
from other lands to this country.
		

			To fill the vacuum left by the Second World War,
		

			of shortage of labor, there was a huge shortage of labor in these countries. That's why immigration
was opened. People came in with a lot of dreams, a lot of ambitions, aspirations, and they stayed
behind. But most people who came to this country, they had this view in the mind that they will
never stay here. This is not home. This is the mentality. Most of these people came with,
		

			that they will return eventually, where home, what they call home. But that home actually was not
home. Because most of these people who came here in the 60s, we're already in the 40s and 50s, some
of them and they have many of them, they have passed away.
		

			Some people,
		

			even in my family have passed away.
		

			Those who came in the 60s, worked in the factories,
		

			established businesses and shops. Many of them have died.
		

			And they only go back in a box.
		

			So in reality, as my brother was pointing out earlier,
		

			a respected elder that this is home, this is the this is the way you need to think this is it. This
is where you will live. This is where your children belong, because they don't know Pakistan, they
don't know India or Bangladesh. They don't know these countries. I have children. And when I speak
to my children about going back to Pakistan, or even for a holiday,
		

			they make this face really Pakistan.
		

			They don't relate to that culture anymore. They are British Muslims. They are following Islam. And
their way of thinking is British, very British. So this is home. We need to think home. We need to
feel home, we need to do home. So very quickly before I indulge in my topic.
		

			I want to highlight this point a lot of the Muslim charity is working with Britain. The focus is
Syria versa. Now, the Rohingya Muslims in Burma, some, in some cases, Pakistan or wherever the
catastrophe takes place.
		

			How many charities are there Muslim charities
		

			that are actually dealing with the British problems, the issue of poverty here in this country, the
issue of lack of education in this country, the issue of
		

			lack of provisions.
		

			There is poverty in Britain. In case you were not aware, there are hundreds of 1000s of single
mothers struggling to live their lives to feed the children the food you're having right now on your
tables.
		

			From the noise
		

			Most tape of this country to the southern most point,
		

			there are hundreds of 1000s of women, single mothers in particular, this is one issue I'm talking
about there are orphans also, there are elderly. Some of them die in winter, because they don't have
enough clothing, or they don't have enough heat in the house. And many of them died.
		

			What is the Muslim community doing for these people? This is home. This is where we live, this is
where we belong. We are the ones who should be on the front line taking care of the orphans, the
widows, single mothers, elderly, wherever we are needed. So find there are charities working across
the globe on these matters on global problems or catastrophes. What about Britain, this is where we
live. This is where we educate ourselves. This is where we earn our money, we need to pay back to
the community to the society. And that's when you will see Islamophobia diminish. This is when you
will see that Muslims will be considered true citizens of this place. You don't have to compromise
		

			on your religion. You don't have to abandon your values. You don't have to do any of that. You can
be very practicing conservative Muslims, at the same time, you can be very active British citizens.
		

			So this is one of the messages I had.
		

			Now, point number one, how do we live successful financial lives we need solutions. As again
pointing out what our brother was saying earlier, that not having a solution is not an option for
us. We are Muslims Rasulullah sallallahu Sallam when a problem came to him, he solved it. And not
only that he was
		

			not so lossless and was progressive. He preempted problems. He was proactive. He didn't wait for the
sky to fall on him. And then he's doing something he taught his companions, how to be pre emptive be
progressive. Think ahead, think 50 years ahead, think 100 years ahead. We want our children to live
prosperous lives, peaceful, happy lives. How do we do that? We do that by taking an active role
participating in the society, especially most importantly in the business sector. This is exactly
what
		

			you know, this organization is doing is it's got you know, three aims on motive a mottos, educate,
empower and eradicate, eradicate what
		

			eradicate the problems, the problem of
		

			numbness, the problem of of this deep slumber, the Muslim community finds itself in financially.
		

			Most of us we struggle, we are hand to mouth financially. There are very few business people in our
community, because we have found little solutions to our problems. So what are the solutions? I have
five golden rules that every Muslim if he or she wants to apply these five golden rules in your
lies, then
		

			this financial issue, these financial problems we are facing will go away. Point number one, one of
the biggest problems is waking up late in the morning. A lot of us who are self employed who don't
do nine to five jobs, we if we own businesses, we wake up late. Okay, there are employees they're
going to open the shop, the chicken shop, or the grocery store or whatever it is. We wake up late.
And this is a lesson we learn from the Messenger of Allah that you when you wake up for Salah fudger
		

			you do not sleep. The Prophet salallahu Salam did not sleep and Allah subhanaw taala tells us in the
Quran Rena Muslims, these are principles we should live by them. How many minutes what oh my god.
		

			That's good. Seriously, some handle okay after rush, right? So we these are principles we have to
live by them. Right? Allah subhanaw taala tells us in the Quran
		

			in surah number
		

			one, your honor Laila Ali Abbas, Jalan jalan ahora Masha that Allah has made your night for resting
as a cover for you so that you can come home and rest while you're under nahata Masha Allah has made
your morning a mirage for you, a source of earning for you. So when the dawn breaks when the sun
rises, this is your time to go out and seek your Lord's provisions, whatever Allah has for you out
there. So this is the Quranic principle as well as the principle
		

			well established in the way of the prophets, Allah lawless alone. He was not a lazy man. wake up
early in the morning, half your financial problems will be solved when you wake up. after praying
for your Salah don't sleep, your brain will function you will start to think now I'm awake. What do
I need to do? I need to do something I need to use this time. And that's when you are most fresh.
Not fresh from the boat. Fresh from the bed. Okay, point number two. What was the point number two?
Were you with me? My phone's turned off.
		

			Do you have it on the screen? Sorry.
		

			What was it?
		

			Yes.
		

			Do small. Start small sorry. Start small. Think Big. What do I mean by that very quickly. have
realistic goals. When you start a job when you start a business. Know yourselves your capacity. Take
on as much as you can do because even this principle is from Islam. Rasulullah sallallahu Sallam
said, either Islam will overpower you or you will overpower Islam. In other words, impose as much as
much Islam as you can handle upon yourself. Sometimes we impose excessive taqwa upon ourselves and
we cannot handle it. And we have a burnout. This is why Allah subhanaw taala in the Quran, he said,
For takala, Hamas Totten, Fear Allah as far as you can, as much as you can, according to your
		

			capacities. Same principle applies in business take on as much as as much as you can do and think
big, think big. Start small, when you start small, grow gradually into your businesses like you grow
into Islam gradually grow gradually and Allah subhanaw taala will give you improvement upon
improvement upon improvement and there will come a time that your big thinking may bear fruit. So
very quickly, a short lesson, think big. Start small, have a huge aim a great aim and you will think
big, you will do big when you think small, you end up achieving small. So if you think 10% you will,
you're you'll achieve 1% but if you think 100% you will definitely go home with 10%. No doubt small
		

			things will happen themselves. So think big and do small point number three, what was it very
quickly. I know my time is already I'm ignoring the timekeeper from now. Okay, very quickly last
minute. Sorry, consistency, thank you. Consistency, what we call the Sol Sol.
		

			Sol consistency. Another point. Another lesson we learned from the province lifestyle a lot is
follow that be consistent. When you do something, keep at it, don't abandon it in the middle, or
don't think that it cannot be done. Believe in yourself, have the confidence to pursue your goals,
have realistic goals, calculated goals, and then pursue them be consistent. Keep at it, even if it
takes five to 10 years for you to achieve your ultimate aims. You keep at it, and do not abandon
your goals. Because once you have chosen and that next point comes into this, choose the right
product, choose the right product, what you are selling or what you're buying, or what you're doing.
		

			It has to be right for you. You have to love it, you have to have passion for it. It is not
something that you should impose on yourself, unwillingly, rather, it should be something you love
to do. So the job you want to do in your life. This is the fourth step I'm talking about. It has to
be something you love. It has to be something you have passion for. Finally, the final point. The
fifth point is that study your product. When you start something, you study it for example, I'm
doing a small business, and I love I love the business I do. And I study it, I read books on it, I
give my life to it, I give my passion to it. And this is one of the best ways to achieve huge, huge
		

			success rates in your life. I have practiced it myself, I'm sure you will be able to do it. If you
take these five steps, serious in life, guaranteed you will make progress wake up early in the
morning. Right? And start small, think big, have consistency. Choose a product you'll likely have
passion for choose the right product for yourself and study it. That's the fifth point and In
conclusion, thank you very much for listening to me. I wasn't told to talk about Riba or interest
because there are scholars there there are a few here who will be addressing those points. I was
given specific instructions, and I hope I have fulfilled those instructions. Thank you so much for
		

			listening for Salam aleikum wa rahmatullah