Wealth Management : An Islamic Perspective

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Tim Humble

Channel: Tim Humble

Episode Notes

Episode Transcript

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Bismillah al Rahman al Rahim

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al hamdu Lillahi Rabbil alameen

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wa was solder to was Salam or Allah and mother all three are met and lil amin

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Nabina Muhammad in one other early he was married and that

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we begin as always with

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the praise of Allah subhanho wa Taala

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and

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sending

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Peace and blessings salutations upon

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His Messenger sallallahu alayhi wa sallam and upon his family and his companions

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so I like to begin by welcoming you all to another Friday night,

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reflection Friday night reminder, inshallah.

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And I would suggest that this may be possibly the last, or almost one of the last times that we do this after Asia,

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because I don't know about you guys, but for me, this is too late now. So inshallah I will, I will keep you informed. Don't take it at the moment until I send you a notification, but it's very likely that the next one will be held

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after Madrid with possibly q&a after Asia, something like this. So the people who want to come back for q&a can come back for q&a after salata, Asia, and the main topic we will delete deliver between Muslims and Asia inshallah, because this is way, way too late for me inshallah.

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So, the topic that we have for today

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is all to do with wealth.

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And

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this is really a huge topic.

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And I don't expect today that we're going to finish the topic or even scratch the surface, but the idea is just to begin establishing some principles from the book of Allah and the Sunnah of the Prophet sallallahu alayhi wa sallam as to how we approach and how we deal and how we manage with this wealth that we have.

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And Allah subhanho wa Taala gave this wealth a huge importance in the Quran.

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I can't say that I counted Exactly.

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But as a rough approximation, somewhere around 100 references to how you manage your wealth and what you do with it in the Quran.

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So, this is something that Allah subhanho wa Taala gave a great importance to

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and I want to try to deal with this from a very comprehensive sort of approach. whereby we look at how we earn it, how we spend it, how we approach it, how we deal with it, how we attach ourselves or detach ourselves from it.

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And again, as is the case in as many lectures I can I try to focus this upon the delille rather than me just tell you something that is a nice sort of speech. I want to attach you to what the Quran and the Sunnah tells us about wealth.

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And the first thing

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that we need to be aware of is the reason why this wealth is so important.

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And this reason is alluded to in the Quran in the statement of allies, our gel Wallah to suffer harm while akula t Jarl Allahu lokum kiama

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do not give to the sofa.

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The foolish people are those people who are not competent.

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Your wealth that are law has made a means of living for you, a means of support for you.

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And this is the showerhead in the ayah This is what I want to begin by discussing today. And Letty Jaya Allah Allahu la comme pm. So Allah subhanho wa Taala has made this wealth for us piano something by which we live.

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It is a suburb from the ASVAB a cause that

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law has created on this earth for us to live.

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The ultimate provider of that wealth is Allah subhanho wa Taala. Allah

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insha Allah, who are rasa, Indeed Allah is the one who is arzak the one who provides for you.

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But Allah has made the way that he provides for us. The means the medium that he provides for us to be wealth.

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So Allah Allah azza wa jal has created this as a suburb, as a cause, for us to live.

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And without this cause, being present, we would not be able to live and we would not be able to exist.

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Because Allah azza wa jal has decreed that this particular thing should be a means through which we are able to live and were able to survive.

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And this ayah actually gives us a beautiful

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picture principle. In the words allottee jar Allah Allahu Allah,

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that which Allah has made for you.

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So in this what we find is a balance between two extremes, the extreme of those people who forego all wealth,

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and they say, If Allah would provide for me, it will come.

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Rather Allah azza wa jal commanded you to be careful what to sofa. Don't give it to these people.

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Because Allah has made it pm for you, Allah has made it a means for you to support yourself and a means for you to live. It's something important. But at the same time, what did Allah so just say, Allah tgr Allah Allahu Allah come, it is Allah who made this for you.

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And this leads me to an important point when it comes to ask bap

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when it comes to s, Bab

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and lucerna when it comes to the worldly causes for things, and Luciana has an a methodology which is Alwah, solidly in the middle,

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a middle path, what is that middle path? We neither ignore that as Bab nor do we ignore the most Habib

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we don't ignore the cause the physical reason why we are able to buy food, nor do we ignore the fact that it is Allah who created that cause.

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Both of these, if you were to ignore one of them or the other, you would fall into a huge error.

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If you were to ignore the sub,

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the cause itself and say that I forgot all of my wealth, and I live hand to mouth, whatever comes to me comes to me,

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then you would be opposing the methodology of the Quran and the Sunnah.

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And you would be guilty of something we call tawakkol and not tawakkol.

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ie instead of relying upon a law, being lazy and saying,

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you know, using Carter as an excuse for your shortcomings.

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At the same time,

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if you were to become completely attached to this suburb

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to this cause and ignore the most have been the one who made it happen,

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then you would also be guilty.

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And how many people does the poor and tell us about who ignored the fact that their wealth came from Allah azza wa jal.

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So when it comes to the worldly causes for things, wealth allows me to live comfortably, so on and so forth. We have a middle path between two things.

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We strive to achieve what we need in this world.

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We work hard to achieve what we need in this world. But we never ever forget that all of it in the end is created by Allah subhana wa Tada. And if it is created by Allah, then Allah azza wa jal has

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tassa Rafi has complete control over this matter this course

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He can give it to you, without you working for it, but he has commanded you to work for it.

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So this is our methodology when it comes to worldly reasons for things happening. Allah can give you without you working, but he has commanded you to strive in the ways that he has made permissible for you, in order to get that.

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So Allah azza wa jal said for example, what are halala who they are? Well how Rama Riba, Allah made trading permissible and Riba haram so Allah azza wa jal encouraged you to trade. Allah as our gel encouraged you to invest your wealth, Allah subhanho wa Taala encouraged you to

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invest the wealth of the orphan, or the Prophet size, lm encouraged us to invest the wealth of the orphan.

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So that it is not eaten up by sadhaka by the Zika.

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So we have been instructed to grasp this worldly cause and to make an effort with regard to it, but never ever, ever to forget that it will never be anything more than a worldly cause that Allah is in control of. And so when we want to increase it, when we feel that we don't have enough, we seek it from the one who created it as a means for our living and not from

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I'm going to double my hours, treble my hours, going to the haraam take Riba because there's nothing no no other way. For me. This is the statement of people who don't believe that this wealth has a creator who placed it there for you.

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Rather alized or gel, placed it for you. And you must never, ever forget that it remains within the hands of Allah Subhana who attack. And perhaps the clearest example of this is the Hadith which mentions

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the angel

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which is sent to the womb, and commanded to write certain things. And one of the things that the angel is commanded to write is the risk that the person will get during their whole life.

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When you were in the womb, of your mother, the angel wrote for you the risk that you would have in your whole life,

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that risk is not going to go up, nor is it going to go down. What was going to come to you was never going to miss you. And what was going to miss you was never going to come to you.

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We strive hard to achieve what allies our gel has commanded us to achieve. But we recognize that the ultimate success of our efforts is in the hands of Allah subhanho wa Taala.

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And the second thing I think that we must mention with regard to wealth, is that there is no doubt that wealth is a blessing from Allah azza wa jal

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it is a NEMA from the name of Allah azza wa jal

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if it were not for for Allah azzawajal we would not have been able to live nor would we have been able to earn even a single Dirham for ourselves. Allah azza wa jal gave this to us. And that means, like every single Nima, two things we must be aware of the first that we will be asked about this Nima on the day of judgment from mulatos. Alone Naomi even I need nine.

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Then on that day, you will be asked about the neon the blessings that Allah azzawajal gave to you. He's going to ask and we spoke

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or at least we touched upon in our first Friday night reminder.

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The fact that you will not move on the Day of Judgment until you are asked

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about your wealth. And this wealth you are asked about you will be asked about two things

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mean a neck Tessa who were female and soccer.

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Where did you earn it from? And what did you spend it on?

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You will not move on I will not move on the Day of Judgment until Allah azza wa jal asks you Where did you get it from? And where did you spend

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In a, what did you spend it on?

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And if this is from the blessings of Allah, the great blessings of Allah azza wa jal that he gave to us, then we need to be aware of a principle. And that is the principle of Shakuni Dharma, of being grateful for the blessings that our lives origin has given us.

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And this is perhaps best said in the ayah, in which Alonzo just said, What is to add, then Rob bukhoma in Chicago Toma as Eden nutcombe, what are incoterm in either Vila chedid,

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Allah azzawajal said, If you give thanks if you are grateful for what I have given you, I'll give you more.

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And if you are ungrateful,

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cathartic to hear, either means to be ungrateful or to disbelief.

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And the word is the same. Because this belief is the ultimate example of being ungrateful to Allah subhanho wa Taala

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then my punishment is severe.

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So Allah azzawajal has told us that every single blessing he has given us we have to give thanks for and if we are ungrateful, then the danger is that this blessing will become an adverb of punishment, that a lot so a gel will punish us with and later on, in this lecture, inshallah, we're going to talk about some of the ways that allies so a gel

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can punish a person with their wealth, some of the ways that Allah subhanho wa Taala, can punish a person

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with their wealth.

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So with our wealth, we are between one of two things, either we thank Allah for what he has given us.

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Or either we risk our wealth becoming a punishment for us. In summary, how do we thank Allah for every blessing he has given us by using that blessing in the right way.

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If we use the blessing in the right way, and we manage it in the right way, then Allah is the gel will give us more of it. And if we abuse that blessing, and we use it in the wrong way, then Allah is our gel will turn that blessing into a punishment as is mentioned in the ayah. If you are grateful, I will give you increase and if you are ungrateful, then indeed my punishment is severe.

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Allah azza wa jal

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has made human beings attachment to wealth, something which is a characteristic of any atom and something which we have to learn to control. And this is mentioned in many of the ayat of the Quran, from those ayat

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Xu iannelli nursey. hobo chahatein mina Nisa evil bunny well, canal theory muqaam karate Minh at the happy wellfield while hiral musawah Mati well, an army warehouse, Valley kamatera on hieratic, dunya Allah azza wa jal said, Zoo unilin us beautified it's been made beautiful to mankind. How busha how are they love their desires? What are the desires that mankind love men and Nisa women well, banning children well cannot be removed mukaan 30 minute happy welfare and gathering piles upon piles of gold and silver

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piles upon piles of gold and silver

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and a lot so Jill said what are Hepburn and Marla have been gem? You love this wealth with so much love

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and allies So Jen said aloha como Taka for

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you have been diverted by rivalry with each other. To gather wealth at a castle doesn't mean you're gathering it yourself at Tech health or means you're competing with your fellow human beings to get more of it than they have.

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And Subhanallah i don't think i truly understood the meaning of this idea until I came here

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to Dubai

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Wallah here you see at a castle in a way that Suppan Allah maybe it doesn't exist in this way in anywhere else in the world.

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competing with each other in every

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kind of gathering of wealth.

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You know everything down to where your village is and whether you have this or that and what color you have and how much salary you earn. And all this has become an obsession with people.

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Why does it matter to one person what another person paid for it what another person earns or what another person has?

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Because Allah azza wa jal said Allah Kamata, Catherine,

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you are being diverted by just piling wealth upon wealth upon wealth, and you want to have more than the other person. So much so that the Prophet sallallahu alayhi wa sallam told us lo and Livni adamawa D and mean there have been a have an akuna Allahu wa de

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while me while and em la fere who our mem LA for electro Rob, where you are tube Allahu Allah mantap multifunctionality this hadith is narrated by Al Bukhari and Muslim. So the prophets I seldom said, if the son of Adam had a value of gold,

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he would want to

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if you had a value of gold, you would only say, Why don't I have to?

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Well lie This is so true. You say, you know, if I just earned another 5000 Durham's a month, I would be happy. And when you earn it, you say, you know, if I earned another 2000, I would be happy to you know, if I just earned another 2000 after that I would be happy.

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And it doesn't stop. Because your nature your Shahada desires are so burning so strong for this wealth, that you never, ever have enough.

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Look at the billionaires in the world.

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Did you ever see any of them say I have enough wealth Alhamdulillah

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I finished now I don't want anymore.

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They say I don't have enough.

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Oh, it doesn't matter. You say

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I don't have enough

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Subhana Allah.

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This Heidi shows that the truth of the words of the Messenger of Allah sallallahu alayhi wa sallam because we see this in our lives everywhere. Whatever you have, it's never enough. You tell yourself, if I get this house, I will be happy. I just want to buy myself a property. When I buy myself a property I will be happy. And then you buy yourself a property. So life's not really big enough. When I buy myself a bigger property, I will be happy. And the guy who has 20 houses, he is not happy

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until he has a yacht. And then he buys a yacht and he's not happy because someone has a yacht that's bigger than his yacht.

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So he's not happy.

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So hon Allah, it is a never ending cycle unless you learn how to break it. And so in this lecture today, we must talk about how to break this cycle of attacker thought of constantly competing with everyone to get more than them and being so attached to the dounia that the only thing you care about, is what is in the bank. And it's never enough. Your value of gold is not enough. You need to and your two values of gold is not enough. The profits I sell them said nothing will fill his mouth except the dust of the grave.

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Not nothing will make you ever stop wanting more except when your mouth becomes filled with the dust of the grave. And this is the meaning of the statement of Eliza gel aloha como Taka for hat zero to one macabre. You have been diverted by competing with each other in gathering wealth until you visit the grave IE until you die.

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And when you die, you realize how foolish was I that I spent my life competing with Falange and I learned

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to have more money than them. And in the end, the only thing that I was left with is a mouthful of dust.

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Rather it can reach such a state that you can become a slave to your wealth. The Prophet sallallahu alayhi wa sallam said

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or before that in the end of this Hadeeth way a tubal Allahu Allah mantap but Allah will accept the repentance of the one who repents and this is our

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First key to understand that there is a way

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that there is a way for us to break this cycle. There is a way for us to manage our wealth as it should be managed. There is good in it. It's not an evil thing. wealth in itself is not an evil thing.

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But the way that we manage our wealth and we approach our wealth, this is where the evil can come in.

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To the point that someone can become an ABD a slave of his wealth. The Prophet sallallahu alayhi wa sallam said Teresa, Dena, Durham, where Abdul Hameed saw,

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he said,

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may the one perish, may the slave of the dinar and the dead ham perish, may he be destroyed.

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Abdu dinarica did.

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He stopped being an Abbot of Allah azza wa jal, he stopped worshiping Allah azza wa jal and focusing on Allah subhanho wa Taala. And instead he focused upon a dinner with him. And he became so obsessed with those dinners and those that are him that he became an addict. He became a slave of it. And the Prophet sallallahu alayhi wa sallam made a long dua against him. Teresa Abdullah denarii What did Hamid Abdul homies

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me the one who is the slave of the dinar and that did ham parish and the one who is the slave of camisa, which is a kind of cloth or clothing.

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In royalty, Robbie, what lm You are

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the one who if he is given, he is happy. When Allah gives him he says Alhamdulillah I'm happy I'm content. And when he is not given that wealth, he becomes angry with Allah. Where do we find this mentioned in salthill federal

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family in Santa Barbara de la hora boo for a kurama who wanna Amma hufa cool Robbie acraman.

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The person when Allah azza wa jal gives him

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a generous gift. And he gives him a lot of blessings.

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Allah tests him with this he says Rob be a chrome and my lord has been so generous to me. He's given me so much.

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When I'm mad at them Roberta Allahu Akbar de la here is karhu fire cool Robbie ohana. So as for if Allah tests him with a lack of wealth

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and he restricts his income. He says, My Lord has disgraced me. I am angry with my Lord. Why has he done this to me? What have I done to deserve this? And he becomes angry.

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So heinola and then what does allies origin say? Kela Bella can lie You know?

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You do not kill Bella to Cremona Leah team. You don't look after the orphan WHAT TO HAVE DONE anata amin miskeen and you don't share your wealth and give it to the poor people. What are Kudo Anna terrassa achla Lemma and you devour the inheritance you get you swallow it up as Allah azzawajal gives the example like you're eating the money. What's that Kowloon you're eating it up and devouring it into your stomach? Aquila llama you're filling yourself with it. What to have bone and Marla herb and Gemma and you love this wealth with so much love.

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Look at the difference. When he is given. He is happy with a law and when he has not given he is angry with Allah. We need to change this behavior. Look at the other prophets I sell them made against him. He didn't stop he continued to make against him. He said Tarisa one tell us why the Sheikah fell into cash.

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He said let him perish and let him relapse. And if he is pierced with a thorn, let him not find anyone to take it out.

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sapan Allah Nabeel Rama, the prophet of mercy made such a dua against this individual.

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Five times he made a dua for him to perish and be destroyed.

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Because this is the his mentality and this is his approach. If Allah gives me

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I'm happy. And if Allah doesn't give me I'm angry.

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Rather, the believer recognizes that this is a NEMA from Allah. If Allah azza wa jal gives us Subhana Allah don't look in this dunya to

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Who is above you, but look at who is below you.

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The least of us of wealth in this room has more than probably 3040 50% of the world.

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Those people who live on

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two Durham's a day or three times a day Subhana Allah, can you imagine to only have two Durham's a day or three times a day to live for to support a family on

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when it comes to the dean, look at those who are above you. Because if you look at those who are below you, you become content with yourself. You say Alhamdulillah

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Allah has given me so much.

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I'm doing well.

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So in the deen you look at those who are above you, you look at the scholars and you say I'm not doing anything like him, I need to do more. And in the dunya you look at those who are below you. And you say Subhana Allah, I complain, I don't have enough money. And yet look at these people. One thing that struck me

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is when you see here in Dubai, you see the difference between rich and poor.

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And you see the people who don't have very much wealth. And they come with such simple possessions and live such a simple life and they work in such difficult conditions, span Allah. And then this makes you feel like you know, my situation is not so bad. SubhanAllah whatever I complain of, it's not so bad.

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So we don't want to be from those people who get this too are made against us that we have become destroyed.

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Because we are the slave of the dinar and the Durham. And when we're given we're happy and when we're not given were angry. And the prophets lie Selim said 37 tell us

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that may he perish and May he lose all of his wealth and relapse and lose everything.

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Why either she fell into cash and if he's pricked with a thorn, may he find nobody to take it out for him.

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And sometimes we can understand this to be if he gets in financial difficulty. May he find nobody to help him out of this financial difficulty? Because he became up to dinner you are up to

00:32:21--> 00:32:44

the worst situation that a person can be with regard to this wealth. So as we alluded to, in the idea of a third, your wealth is a trial. But the first point I want us to realize in the fact that wealth is a trial and bear in mind the Prophet sallallahu alayhi wa sallam said, in a liquid lomatin fitna, we're fixing metal or metal Mal.

00:32:45--> 00:32:54

Indeed, for every single mother is a trial. And the trial of my oma is the trial of wealth.

00:32:56--> 00:33:29

We have to recognize that just as in solfeggio, Allah azza wa jal described both people as being tested for Amell insano either mother Taylor horrible. What am either mother Taylor who this word mabbott Allahu means he tried him, he tested him. So both were tested, but one was rich and one was poor. So our first principle we need to establish is that wealth is a trial, whether you have it or whether you don't.

00:33:30--> 00:33:34

Wealth is a trial, whether you have it or whether you don't.

00:33:37--> 00:33:39

And a lot of us we misunderstand this.

00:33:40--> 00:33:57

We think poverty is a trial, and wealth is an ease. Rather wealth is a trial and poverty is a trial. If you have money, this is a test. And if you don't have money, then this is also a test.

00:34:07--> 00:34:08

Allah azza wa jal

00:34:10--> 00:34:34

described this wealth as z net will hire to dunia and Manuel Bannon. z net will hire Tonya as the adornment of this world. And if this is the case, then we need to get our priorities right. I've told you before the Hadeeth I do Nia melona turn Malarone on Murphy

00:34:35--> 00:34:42

Illa de Corolla wha wha, wha the moon on the moon one more time.

00:34:43--> 00:34:44

One more time.

00:34:47--> 00:34:59

This dunya is cursed. And everything in it is cursed, except for the remembrance of Allah and that which is related to it or a scholar or a student. I have

00:35:00--> 00:35:26

A scholar of Islam are a student of Islam. So we need to get our priorities straight. The beginning and end of our life is not our bank balance. This is not the beginning and the end of our life. It is a part of our life that Allah has made an important part. Ally's made it a means for us to live, but it's not the beginning. And it's not the end of

00:35:28--> 00:35:58

our life. And we need to realize there is something more important than what we have in the bank. And as we said, our wealth is a trial analyzer gel commanded as in this way, he said, Why lm mo and Wallah kumala to compete now, what anila harinder who I don't even know that your wealth, and your children are nothing but a trial for you. And surely without law is a mighty reward, and ally. So a gel told us that we will be tested in good ways and bad ways.

00:35:59--> 00:36:42

Like to Well, I wouldn't like to bet on a fee Mr. de kumaun fusi come while I test my own nominal Latina or tokita by makaveli. Comb wamena Latina ash Rocco, Adam kathira were in hospital water, Dakota in Nevada come in as male or more, you are going to be tested in your wealth and in yourselves. And you're going to hear from those people who are given the Scripture before you and those who are polytheists a great deal of harm, they're going to give you a great deal of harm. And if you are patient, and you fear a lot and indeed this is from ice mill or more analyze or just said whenever one can be a mineral whole fuel Sure, when oxy minute Molly will emphasize what seminars

00:36:42--> 00:36:56

were by Sherry sabeti. We're going to test you with something of fear and hunger, and a loss of wealth and life and fruits and give glad tidings to the patient.

00:37:00--> 00:37:27

So our wealth is a trial. And our wealth is not a measure of piety. Allah xojo said, Fela, Torre de Vaca am one to whom Allah Allah To whom? Fela Torah Jeeva and one to whom Allah Allah to whom in nema euregio la Julio diba, whom behalf will hayati dunya, what has haka, and also whom one can have your own. Allah azzawajal said,

00:37:28--> 00:37:30

Don't let their wealth and children amaze you.

00:37:32--> 00:37:58

Our laws plan is to punish them with these things in this dunya so that he takes their soul when they are disbelievers. Because one of us might look and say, well Subhan Allah, how is it that the people of taqwa and the people of nearness to Allah, they don't have very much wealth, many of them have very little. And how is it that Allah has given so much to the people who

00:37:59--> 00:38:06

disbelieve in him and turn away from him? And a lot so just said, Allah only wants to distract

00:38:07--> 00:38:18

them by this wealth and then take their souls when they are disbelievers. And then we need to recognize that wealth is not yours, that you can just do whatever you wish with it.

00:38:19--> 00:38:22

As we hear in the Quran, called we are sure I

00:38:24--> 00:38:25

asked Allah to come

00:38:26--> 00:38:27

to America

00:38:29--> 00:38:36

and natural Kamiya Buddha owner and Neff Allah Fie Mr. Lena, Manisha.

00:38:38--> 00:38:59

Oh, sure, I does your Salah command you to leave what our fathers used to worship, or that we no longer have the right to do whatever we want with our wealth. So sure, I told these people you don't have the right to do whatever you want. This is an Amana Anna from Allah azza wa jal that you have to fulfill in the right way.

00:39:00--> 00:39:23

And we need to recognize, as we said that it doesn't necessarily make you near to Allah, warmer and why lukewarm water Allah to convince you to caribou mandanas Alpha in lemon, M and R amela. salejaw. Fabiola aka la home jezza where Phoebe Ma Ma no while home failover oferty. I mean,

00:39:25--> 00:39:42

it's not your wealth, nor is it your children that bring you near to us. But it is the one who believes and does righteous deeds for those they will get a double reward for what they have done and they will right reside in the dwellings of Paradise in safety and security.

00:39:44--> 00:39:59

So we should not allow this wealth to distract us from the goal. Yeah, I do have Latina Amano LA to come and wha la comala Allah to Kumasi karela when my when my if I La Liga Allah

00:40:00--> 00:40:11

homolka Iran, or you who believe, do not allow your wealth, nor your children to distract you from the remembrance of Allah? And whoever does this, then it is they who are the losers?

00:40:14--> 00:40:39

So do we have after this introduction? Or these principles do we have in Islam? Something which we can use as a means to understand how we are supposed to approach our wealth? And how are we supposed to see our wealth? How are we supposed to deal with our wealth and see our wealth or how we're supposed to approach it?

00:40:40--> 00:40:46

In this, I think the best example that we can give and study is the example of

00:40:49--> 00:41:09

the example of qarun I think this is the best example that we can give to you as an understanding of the right way and the wrong way to approach the wealth that Allah subhanho wa Taala has given you.

00:41:12--> 00:41:21

And this is in the statement of Allah azza wa jal in Kaduna, kanamycin comi. Moosa sobre la him.

00:41:23--> 00:41:36

Tina who mean Allah kuno Zima in mF t ha, who let her know Oh, Bella rose, Betty o De Luca, is called Allahu como Hola, tefra. In Allah, Allah your hebbal fellahin.

00:41:39--> 00:41:46

Indeed, power rune was from the people of Moosa IE he was from Bani Israel

00:41:48--> 00:41:54

for Baba la him, but he behaved arrogantly towards them.

00:41:56--> 00:42:03

What Tina who mean algunos we gave him so much wealth, man in an effort to

00:42:05--> 00:42:17

let her know Oh, Bill, gross, petty little cool kuwa. So much so that the keys to his wealth would have been a burden for a whole group of strong men.

00:42:18--> 00:42:25

A group of strong well built men would struggle to even lift the key to the wealth of cartoon.

00:42:26--> 00:42:29

That is how rich cartoon was.

00:42:31--> 00:42:48

And qarun nobody ever reached that level of wealth. This is one of the the people who alized our agenda we think the people of our time have it. But Subhan Allah, Allah azza wa jal gave to the people of the past, that which he has not given even to us.

00:42:49--> 00:42:51

And perhaps we don't realize this.

00:42:53--> 00:43:02

So qarun was from the people of Moosa, but qarun behaved arrogantly towards those people.

00:43:04--> 00:43:07

And we gave him as allies or gel said,

00:43:08--> 00:43:10

so much wealth.

00:43:12--> 00:43:18

That the keys to that wealth was so heavy, that a group of strong men could not carry them.

00:43:22--> 00:43:25

When his people said to him, Latifah

00:43:26--> 00:43:55

don't behave arrogantly. Don't be ungrateful to Allah. In Allahu Allah, you have bull feriha. So our first lesson that we learned from the story of cartoon is don't allow whatever wealth Allah has given you. To be a means for you to behave arrogantly or for you to rise above other people and to look down upon other people.

00:43:56--> 00:44:21

The first lesson we learn la tefra. In Allahu Allah you Hipple Farah hain don't become from those people who are exultant looking down on other people looking at this wealth as making you higher than the other people because as we established as a principle earlier on, your wealth does not necessarily make you near to Allah azza wa jal

00:44:22--> 00:44:45

whether it's healthy female, Taka LaHood Dara Hera will attend son RC becoming a dunya will acts in karma arson Allahu LA, whatever will facade that will opt in Allah, Allah your hip boom of city. For me this ayah summarizes our approach to wealth in Islam completely in one ayah

00:44:46--> 00:44:57

Weber tell the FEMA at cola a Darrell Ashura put whatever Allah has given you to work for you in the dark.

00:45:00--> 00:45:26

All of us talk about investment. Everyone who has any extra wealth, people are talking about investing your wealth, making money from your wealth, wealth creation, investment opportunities. And yet Allah azza wa jal commanded you how to invest your wealth. invest your wealth in that which is going to benefit you in the market.

00:45:27--> 00:45:32

invest your wealth in that which is going to get you something in the Acura.

00:45:34--> 00:45:41

Use what Allah has given you, if Allah has given you wealth, use it, to buy a place in the euro.

00:45:42--> 00:46:02

If Allah has given you intellect, use it, to take a place in the Euro to earn a place in the euro. If Allah azzawajal has given you health, use it, to seek that which was with Allah azza wa jal in our hero, this is from the comprehensive ayat weathertec the female attack Allah who died on

00:46:05--> 00:46:10

us what Allah is so gentle has given you to get the hereafter.

00:46:11--> 00:46:15

So if Allah azzawajal has given you some excess wealth,

00:46:16--> 00:46:34

don't invest that wealth in something that is going to bring you a measly return. What is the best stock market return that you can get? Maybe we say perhaps one of the best examples is the person who involved maybe you know, invested their shares in Apple when the shares were really low.

00:46:35--> 00:46:46

And then when the shares went really high, you know, he got like, five 600 times return. Well, like he that is less than what Elias or Joe would have given you, if you had invested it. In seeking that.

00:46:48--> 00:47:07

The minimum that Allah azzawajal promises as a return for your investment is 700 times method will levena una Amala Hoon, feasibility lyca method and budget savasana belief equally simple it means to have the wall Allahu La La fully made.

00:47:12--> 00:48:01

The example of those who spend their wealth in the way of Allah is like a seed that grows seven stalks, each stalk has 100 seeds 700 times minimum return 700 times minimum return minimum will love who you are I fully made a shot and Allah gives much more than that for whoever he wants. He can give 7000 70,000 700,000 times return the minimum return you will get on your investment the minimum ROI you will get is 700 times there is not a single business opportunity, certainly not a halaal one in this dunya that offers you a guaranteed 700 times return on investment.

00:48:03--> 00:48:22

Minimum then Allah azza wa jal promised you that your original wealth will not decrease. Man aka Somali men sadhaka your wealth does not go down when you give sadaqa Subhana Allah 700 times and you don't lose your original investment either.

00:48:24--> 00:48:36

And perhaps this is the meaning of the statement of Allah azzawajal em hakala Hood River, em hecho la horiba yrb sada heart, Allah has made Riba

00:48:37--> 00:48:49

lose and decrease your wealth and eat up your wealth and destroy your Baraka and Allah azza wa jal, your ob sada cart, Allah has put Riba in South Africa.

00:48:50--> 00:49:37

What does it mean Allah has put Riba in South Africa while Yoruba saga heart Allah has put Reba in South Africa, meaning the real Riba, the real multiplication of your wealth. Allah has put it in South Africa, where you will be sad or caught. So this is all about putting your wealth to use. Make your wealth work for you. Have you ever walked past these investment banks? With a big science we make your wealth work for you. You know, we invest your wealth, we make your wealth, earn you money, even when you're sleeping. This is what Allah azza wa jal commands you to do with your wealth for the archaea. You use it, make it whatever Allah has given you use it and put it forward to get you

00:49:37--> 00:49:46

something in the Euro, you will get it back in the dunya and you will get up to a minimum of a 700 times return in the euro.

00:49:47--> 00:49:59

But then this is not the only thing while I attend, send, I'll see you back coming Antonia. Don't forget your naseeb in the dunya don't live in poverty. Don't give away all

00:50:00--> 00:50:08

Have your wealth so that you have nothing left. Don't think it's haram to buy nice clothes or to have a nice house Subhanallah look at the mercy of Allah.

00:50:10--> 00:50:53

He didn't say okay, I will give the Acura to the one who lives with no wealth. He said, Put your wealth to work for the Acura. But don't forget your nosleep Don't forget your, your portion of the dunya It's not wrong for you to wish something from the dunya to have some limited benefit, to live in some comfort, to be able to give gifts to people to be able to secure a comfortable future for your family. That's not a wrong thing in Islam. In Islam, we have not been commanded to have this robinia this living in monasteries where we close the door and we don't own anything, and we don't have any money and we don't spend it.

00:50:55--> 00:51:30

Allah azza wa jal has said to you, don't worry, and he take you take what small amount of the dunya you need. Don't be from those people who are Kamata, careful that your wealth is just piling on top and on top and on top. Put your wealth to work. You know, if you speak to somebody who works in investment stocks and shares or whatever wealth management, they're going to say to you don't leave your money in the bank account, it's not earning you anything. Hey, spend what you need, and put the rest into an investment. This is exactly what a lot is originally saying to you.

00:51:32--> 00:51:48

Put as much of your wealth as you can into your long term investment for your retirement home, not your retirement home in this dunya. But your retirement home, the one that you will never leave you will be in forever and ever and ever.

00:51:49--> 00:51:56

Put as much as you can forward for your retirement when you retire from action in the euro.

00:51:58--> 00:52:20

And then whatever you need from dystonia. Don't forget your Nazi allies or jail didn't ask you to give everything Allah azzawajal asked you to give as much as you can to push forward for the Acura and not to forget you And I'll see from this work. And then comes the third critical principle. What is in karma axon Allah what you like

00:52:21--> 00:52:25

and be good to people, as Allah was good to you.

00:52:26--> 00:52:50

Be good to people, as our law as our general was good to you. Just like Allah was good to you in giving you this wealth even though you disobey him so much. I learned so much and still gave it to you. So don't forget to be good to others. Not all of it is about you, you, you you you know don't forget to be good to people as Allah was good to you.

00:52:51--> 00:53:13

What a typical facade fill out and don't seek to corrupt the earth. Don't use your money to corrupt yourself and your family and those around you. What a simple way of managing your wealth. What a beautiful advice. Put it to work for you in the Acura Don't forget what you need from the dunya you can take from the dunya what you need.

00:53:14--> 00:53:27

Be good to people as Allah was good to you. And don't use your wealth to corrupt yourself and to corrupt others. Because Allah azza wa jal doesn't love those people who are corrupt.

00:53:28--> 00:53:43

What did qarun say? The Koran implement this wonderful advice? No. Paula in ot to who either in nd he said this wealth came about because of my own hard work and knowledge.

00:53:44--> 00:54:01

And how many of us fell into the path of calm? How many of us fell into the same path of our own the same concept that Karen fell into, say the same thing in NEMA ot taharah element nd this wealth came from my own hard work my own knowledge.

00:54:03--> 00:54:15

And then a lot of soldier says our lm er lm and Allah Hakata halochem in carbery, he meant minella koroni man who I said dohmen hokku Wah, wah XL Gemma, does he not see

00:54:16--> 00:54:27

that Allah azza wa jal destroyed from the people who came before people who were stronger than him and had more money than him? Even then Koran

00:54:28--> 00:54:40

and Allah azza wa jal wiped them out. While I yes, while I use our Adobe humor moogerah moon and the criminals they're not going to be asked about their sins, they're not going to be given a chance to make an excuse.

00:54:42--> 00:55:00

For Harada comi heafy zenity he came out to the people in his full adornment call alladhina Yuri donelle hyah to dunya late Elena, Miss llama Oto qarun in a hula to help us in our team, and now we come to yet another

00:55:00--> 00:55:33

critical point on this topic. What did the people say when qarun came out in his full adornment in his beautiful, you know, clothing with his entourage with all of that money? What did they say? Yeah, later Lana, I wish I could have what qarun heart. And this is the evil of following wealth and celebrity status that we have in this world today. We look at people who will lie he the best you can say about them as they are for suck.

00:55:34--> 00:55:46

They are evil, corrupt people. And we see that a lot give them something of the dinar and the data and we say, I will do anything to be in his place.

00:55:47--> 00:55:52

How I wish I could have the wealth that Bill Gates has

00:55:53--> 00:56:00

in a hole as well have them have him look at the great gift Allah has given him look at the greatness see what does Allah given him if he hasn't given him Islam?

00:56:02--> 00:56:05

Nothing you have better than what they have.

00:56:06--> 00:56:18

And voila, he you don't realize it now. But voila, he if you are practicing Islam, you are happier than those people who have gathered all of that wealth and they are not practicing Islam.

00:56:20--> 00:56:37

But what did the people say? Who wanted the dunya? Yeah, late Elena Miss Lama Oto Harun I wish I could have what Harun had. Look at what a wonderful thing is being given was qarun given anything, was qarun given anything worth having?

00:56:38--> 00:56:39

No.

00:56:40--> 00:57:10

We'll call a Latina or to learn while acoem Salah bola he hieronymous Amina Milliman, Amina Amina salejaw, while What are you laka Illa sabi rune, but those people who are given knowledge, what did they say that people have knowledge they recognize, and this is key, the people of knowledge, they knew that all of this stuff that you see is just Xena tool hierarchy. It's just there to make the dounia look pretty.

00:57:11--> 00:57:28

It's not there, that it's important they said, war to you. The reward of Allah is better for the one who believes and does good deeds. While you will call her Illa Saba one, but the only people who are going to get that reward or the patient.

00:57:29--> 00:57:38

You imagine when you see the castles of Paradise, and the palaces of paradise? Are you going to care whether you owned an apartment in the Burj Khalifa

00:57:41--> 00:57:49

you're going to say how foolish was I? That I exchanged this palace in gender for this apartment in this dunya?

00:57:52--> 00:58:10

That is what you're going to say how, how stupid was I? That I exchanged a palace in Jannah made of gold and silver bricks with everything a person would desire and I bought an apartment in this dunya and I sold my policy agenda for this apartment.

00:58:12--> 00:58:20

But at the time, it seems like a great idea. When you take the Rebbe based loan and you buy something and you do this at the time, it seems like an amazing idea.

00:58:22--> 00:58:47

But on the Day of Judgment, that people have knowledge that we recognize the reward of Allah is much much better. But you have to have somewhere to get it. It doesn't come to you now. You have to have sub for herself nabby he will be done daddy Hill out for American Allah woman fy 18 Surah hoomin donella McCann I mean in theory, then we caused him to be swallowed up

00:58:49--> 00:58:50

and swallowed up the earth.

00:58:52--> 00:59:28

There was no group of people who would help him besides Allah, and he was not from those people who are given help. What else but how levena Turman know McKenna who bill MCR Kowloon way can Allah hi ebace autores calima Yasha Amina a bear de la up there, Lola and men Allahu la nella ha Sabina where you can hula you flee her calf your own. Then those people who wished for his place yesterday only yesterday they were saying I wished I could be like qarun when they saw the earth swallow him up What did they say?

00:59:29--> 00:59:38

Subhana Allah waters How could we not realize that our law gives the risk to whoever he wants and takes it from whoever he wants.

00:59:39--> 00:59:43

If it were not for the blessing of Allah upon us, we would have been swallowed up as well.

00:59:44--> 00:59:54

Water as indeed the disbelievers will never ever be successful. Water and indeed those people they will never be

00:59:55--> 00:59:56

successful.

01:00:00--> 01:00:33

tilcon hero tuna jalahalli leadin Allah you read another one fill out the LFSR ADA, while RP battle is talking. This is the home of the hereafter that we give to those people who don't want to be above others, and put other people down on the earth. And they don't want to use their wealth to buy corruption. And the eventual outcome is for the Motoki. So I think this is a great way of summarizing the Islamic approach to our wealth.

01:00:34--> 01:01:04

And the basic principle that we want to use this NEMA in a good way, because we're lucky if you use it in a good way. It is something which is beneficial by the permission of Allah subhanho wa Taala. And this is something that we find mentioned in the Sunnah of the Prophet sallallahu alayhi wasallam, that if it is used in the right way, then it can be something which is indeed worthwhile and good. From this is the statement of the Prophet sallallahu alayhi wasallam.

01:01:09--> 01:01:19

Near mal Mal, who saw a little model is solid, how excellent is pure wealth for a good person?

01:01:21--> 01:01:43

How excellent is pure wealth for a good person? And how wonderful is it for a person who is pious to have wealth that they can spend in the way of Allah? Why is it good for them? Because in this trial, they are the successful people, they know how to spend it, they earned it in the right way and they spent it in the right way. So it was something good for them.

01:01:44--> 01:01:49

even to the extent that Allah azzawajal made it permissible to be jealous of those people.

01:01:50--> 01:02:17

Allah azzawajal made it permissible for you to be jealous of those people. Not a jealousy. That means you want them to lose their wealth, but for you to wish to be in their place. When he said la has said that Illa lF entertain. There is no hazard except in two things are our jhulan Tao hula hula keytab while karma be Anna Elaine,

01:02:18--> 01:02:42

a man who alized our gel has given the Quran given knowledge of the Quran, and he recites it during the hours of the night War II jhulan our pa who Allahumma al and fallaway at Assad Jacoby, he Anna la Li won the heart and a man who has been given a lot of wealth. What does he do with it? He gives it out in the day and the night in South Africa.

01:02:45--> 01:02:51

So there is a way for us to purify and detach ourselves from this obsession.

01:02:52--> 01:03:43

And that is the statement of ours our gel hoodman and wily him sada cotton to whom what was the key him beha take from their wealth as a sadhaka as a car that will purify their wealth and clean their wealth will purify them and clean their wealth for them and a lot so just said lantana will be rahat memento hipbone you will not achieve piety until you give out of that which you love. And Allah azzawajal mentioned lay cell Berra and to one Lou ohakune cable administrator well Mowgli, Joaquin Alba Rahman am Annabella he will Yeoman Arkady one melodica to Al Kitab one Naveen telma Allah, Allah puppy that will quarterback, my well my Sakina Urbanus Seville, was at Northumbria cop.

01:03:44--> 01:03:48

piety is not to turn your face to the west, or to the east.

01:03:49--> 01:03:58

But piety is to believe in Allah in the last day in the angels in the scripture and the prophets, and to give wealth despite your love for it,

01:03:59--> 01:04:16

to give it to those people who are near to you, from your relatives, and the orphans and the poor, and the people who have been cut off from their wealth, and to those people who ask for it, and to give it in freeing the slaves, and those who perform the prayer and give this occur. And those people who

01:04:19--> 01:04:26

fulfill their oaths when they make them and those people who are patient in hardship and in ease and in hardship,

01:04:27--> 01:04:40

or in hardship and in difficulty, and when things become difficult or when things become hard, tough. They are the people who have spoken the truth and believed in the truth, and they are Allah

01:04:43--> 01:04:59

Subhana Allah, there is a way for us to detach ourselves from this. The way for us to detach ourselves from this is to get used to giving it to other people and to see it in its place as a means for us.

01:05:00--> 01:05:05

To have a means for us to live, and not necessarily

01:05:06--> 01:05:09

a sign of our

01:05:10--> 01:05:13

piety or our lack of piety.

01:05:14--> 01:05:19

And as we said, and I'm going to conclude it with about 10 minutes on this last topic

01:05:21--> 01:05:29

that we're going to be asked about two things. We're going to be asked about how we earn our wealth

01:05:30--> 01:05:31

and how we spend it.

01:05:32--> 01:05:40

And just this morning we mentioned the Heidi's whether America or North America medica Rajat IoT Rousseff Arusha

01:05:41--> 01:05:43

mo dia de la samma

01:05:45--> 01:05:46

yaku Arab Arab,

01:05:48--> 01:05:50

Mamata ama Haram,

01:05:51--> 01:05:56

Boko Haram wamalwa suhara Mago de abril haram for unknown Japanese Alec.

01:05:57--> 01:06:06

A man on a long journey, dusty and disheveled, raises his hands up to the sky, my Lord, my Lord, but his

01:06:07--> 01:06:34

food is haram. And his drink is haram. And his clothing is haram. And he's been nourished with haraam. So how will allies gel unsane? So how will ally soldier answer him. And this morning, we explained that this Heidi deals with two things, how you earn your wealth, and how you spend it. So it may be that his food was Haram, because he was buying pork.

01:06:35--> 01:06:58

It may be that his food was Haram, because he was buying halal meat, with haram money. And so as Muslims if we are to manage our wealth properly, we need to detach our hearts from it First of all, and we need to be very cautious about where it comes from. And where it goes to.

01:06:59--> 01:07:19

Knowing that there are so many rules in Islam and I don't think we will have time to cover all of these rules, but we will just touch upon some of them in sha Allah and perhaps another lecture we will do we will touch upon more of these rules in sha Allah in more detail with regard to how you earn your wealth, and how you spend it.

01:07:22--> 01:07:32

And much of the Haram in wealth covers both, for example, Reba. Reba is equally haram to earn as it is to spend,

01:07:33--> 01:07:45

earning and spending it. It is the same. Lana Rasulullah sallallahu alayhi wa sallam argued of Riba wellmark at work activity, he will share his work it was shahida who call himself

01:07:50--> 01:08:04

the Prophet sallallahu alayhi wa sallam curse, the one who devours Riba I the one who takes it, and the one who gives it and the one who writes it, and the one who witnesses it and said all of them are the same.

01:08:06--> 01:08:18

How you earn and how you spent how you earn and how you spent. So it is obligatory upon every Muslim, to think about how they earn their wealth, and how they spend it.

01:08:20--> 01:08:25

And in terms of earning your wealth, this is to ascertain that your job itself is halal.

01:08:26--> 01:08:30

And that you are fulfilling your conditions of your employment,

01:08:31--> 01:08:49

and many other things that we will try and touch upon as much as we can. As for spending it that you are spending it on halaal and that you are free from a Seraph in Elmo vaziri in a can Oh, one a shout out to those people who waste their wealth are the brothers of the shaytaan.

01:08:51--> 01:09:04

Other brothers of the shaytaan Subhanallah, what a strong way of putting it, the brothers of the shaytaan because they waste their wealth. And as we said in the class this morning, when it comes to wasting wealth.

01:09:06--> 01:09:22

There's a lot of rules and regulations. But in general, it means to put your wealth into something in which there is no benefit, not a worldly benefit, nor is there a benefit in the Euro or the benefit is very small.

01:09:23--> 01:09:25

And we give some examples.

01:09:26--> 01:09:29

A person who puts their wealth

01:09:31--> 01:10:00

let's say they leave the tap running and they go out and they come back in all of that water has gone down the drain. Without any menza any benefit. Nobody washed themselves with it or used it or bathe with it or wash their car with it. Nothing. It just went down the drain. This is an example of a sort of, because the wealth that you had, as represented by this water that you're paying for went without any benefit. It was

01:10:00--> 01:10:03

Without any fanfare, it just disappeared. Nobody benefited from it.

01:10:04--> 01:10:07

As for if a person says

01:10:08--> 01:10:18

that I used for example, I bought two cars one for me and because my family they need a separate car because they go on separate journeys, this is not it's rough,

01:10:19--> 01:10:50

as long as he has the money to do it, and he's not buying a second car at the expense of his, you know, children's education or at the expense of his food in the house or something, but any having to cause if a family needs them is not as rough having to cause because, you know, I don't like sitting in the same car every day. And I like to have something different. This is getting closer to a Seraph because the benefit is not there there is no benefit in it, there is nothing in it that you can say that this is your na see from the dounia that you are allowed to have.

01:10:53--> 01:10:59

So we must be careful with regard to this Seraph, particularly because the shavon

01:11:02--> 01:11:03

has

01:11:04--> 01:11:04

an

01:11:05--> 01:11:09

an interest in how you earn your wealth and how you spend it.

01:11:11--> 01:11:12

And this is mentioned in

01:11:14--> 01:11:18

the statement of Eliza gel wash comm Phil and Wiley will outlet

01:11:20--> 01:11:23

and share all the shavon

01:11:24--> 01:11:36

is going to share in your wealth and your children. What does that mean? The shaytan is going to get involved in how you earn and how you spend As for how you earn

01:11:37--> 01:12:11

and from this haram it's only once it's only one contract. Or as the brothers frequently say to me with regard to earning from the Haram what can we do the whole world works like this. You know Subhan Allah Yes, I live in a place and yes, you know, I cheat my clients a little bit I give them something that is not genuine. But you know everybody does it. If I didn't do it, I wouldn't be able to earn that's not an answer. That is what the shape iron is doing to get involved in your wealth telling you that you can't earn halaal you may as well just you know a little bit of haram here and there.

01:12:13--> 01:12:18

Now people say look, you know, so I work in finance, everything in finance is Riba What do you want me to do?

01:12:20--> 01:12:42

Allah azza wa jal made so many ways of earning wealth halaal he only made a handful of them haraam. You are required to keep away from them, and not be like the bedwin, who ate with his left hand. And when the prophet SAW Selim, Selim turned to him, he said, Look, I can only eat with my left hand. And the Prophet sighs him rebuked him and said rather you can eat with your right hand.

01:12:43--> 01:12:55

But this is from the stubbornness of his character. And he says, I, you know, I'm eating with my left hand, look, I can't do it, I can only eat with my left hand. That's it. That's the end of the topic. No, you can eat with your right hand.

01:12:56--> 01:13:29

But if you're going to be too stubborn to do it, then that is a different matter. So the shaitan is going to get involved in how you earn and the shaytaan is going to get involved in how you spend is Seraph wasting money, spending on haraam? Spending excessively for no benefit. Even if you can't do that, what's the shaytan going to do is going to come and say you know you wanted to give that in South Africa but inshallah you will give the sadaqa next month, this month, you will just buy this thing you need because it's really urgent.

01:13:30--> 01:13:48

And you will forget. So he tries to take away this attachment you have and he wants to attach you to this wealth so much that you're willing to give up the doubt on Akira. And the better investment for this poor quality investment. He's like a

01:13:50--> 01:14:22

you know, a fraudster who phones up people trying to get them to invest. You know you've won 2 million Durham's in a European lottery, all you have to do is just send me your account number and details or send me a check for 1000 Durham's and I'll give you your 2 million Durham's. This is the job of the shape hon. To convince you that you need to invest your money in a new car, a new house a new a new a new a new value of gold because your existing value of gold is not gold enough.

01:14:23--> 01:14:45

That is what the shaytans job is. However, what you need to see is that this is a fraudulent investment and a waste of time. Whereas you have an investment in the Acura that you can take and you can invest even half a date. You know there are some investments minimum investment 100,000 Durham's, the minimum investment in gender is half a date.

01:14:47--> 01:14:59

That is the minimum that you can invest in Jenna so Pamela, rather even less than that, because a smile in the face of your brother is a sadhaka Subhanallah but in terms of wealth, half a day

01:15:00--> 01:15:04

If you don't have a whole day, buy one half and give one half.

01:15:06--> 01:15:26

And if one of you gives even a date in the way of Allah, Allah azza wa jal takes it in his hand, and nurtures it, until it becomes like a mountain, you have so much opportunity, but we have to break this cycle, we have to break this cycle of earning Harlem break this cycle of spending Harlem

01:15:28--> 01:15:55

and we have to break this cycle of being attached to our wealth. Rather, we should see it as being a part of our life. We don't forget our na si we don't, you know, we still need to buy our food, we still need to buy a place, we still need to have a car, we don't forget our na see our portion of the dunya. But the majority of our wealth is being put towards investing in what we really care about.

01:15:57--> 01:16:37

And will likely your investment with your wealth shores, what you really care about. If it's all in the dunya, then I would suggest to you that what you really care about is the dunya. And if most of it is in the art era, then for sure, I would suggest that most of what you care about is the appeal. And if it's a mix, like most of us find, then this is a case that we need to push it towards the Akira as much as we can. Don't forget I want to see from the dunya and be good to other people as Allah was good to us. And one of the most beautiful things about the Islamic model of managing your wealth is that when you do it the Islamic way you get more

01:16:38--> 01:17:20

you get more wealth because sadaqa gives you more wealth, you get more wealth, because when you thank Allah He gives you more wealth, you get more wealth, because when you make mistake far Allah azza wa jal said, well, you need to be Mr. William D to come be a Marlin. We're Benny and we're going to give you more wealth and more children. Allah azza wa jal gives you more and more and more, this is what real halaal Reba is halaal Reba, the real rebar the true rebar that you want to have this rebar is the rebar that aligns so a gel has put in using your wealth in a halal way. And I just want to conclude and Subhanallah I didn't even cover half the points that I wanted to say to you

01:17:20--> 01:17:23

today. But I just want to conclude

01:17:25--> 01:17:27

by mentioning one ayah.

01:17:28--> 01:17:36

What Ll Cora, and then what taco de la him Baraka in Minnesota, you will

01:17:37--> 01:17:57

if only the people of the towns believed and feared Allah, we would open for them, the Baraka of the heavens and the earth will lie that Baraka would rain down money would rain down upon you, from every single place. If only you would believe in Allah and fear.

01:17:58--> 01:18:07

And Subhana Allah, you know, there is a lot left to say there's a lot of fifth. And I think probably we'll have to have a second part of this talk, where we deal with the fifth of earning and the fifth of

01:18:08--> 01:18:50

spending, because the introduction took a long time. But I think this is important that we recognize where does it come from. And it is a nightmare. And it's a test, whether we use it for good or whether we use it for bad, whether we given it or whether we prevent it from it. All of it is a test from Alliance origin. And we want to be successful. And the summary of the story of cartoon and all the benefit it has, because the story of cartoon tells us what we should be doing and what we shouldn't be doing. What we should be doing is not looking down on others, what we should be doing is putting our wealth to invest in the Acura, what we should be doing is keeping a portion from the

01:18:50--> 01:19:01

dunya. For that which we need. What we should be doing is not using our wealth to cause corruption on the earth. What we should be doing is being good to others as Allah was good to us.

01:19:03--> 01:19:44

And then qarun is the perfect example of what we shouldn't be doing. Believing that everything we have comes from our own efforts, being corrupt, buying corruption, spending, corruption, supporting corruption on the earth, forgetting about Allah being angry with Allah when he doesn't give us being happy with Allah when he gives us putting all of our wealth into a castle just being better than the person next to you. While I adopt the Islamic model of managing your wealth of earning your wealth and spending your wealth and aligned so a gel has promised you that he will open for you the Baraka of the heavens and the earth and he will suffice you in what you need.

01:19:46--> 01:20:00

And it may be that a person is given less of the dunya because that is better for them. What are sir and Takahashi and wahoo or highroller come maybe you hate something it's better for you. Maybe you would have taken that wealth and become a copy of

01:20:00--> 01:20:00

qarun

01:20:01--> 01:20:07

maybe alaris or gel gave you less of it, because he knew that this is better for you.

01:20:08--> 01:20:42

So don't become angry with Allah azza wa jal if you restrict your wealth and don't become pleased when you are given to the extent that when you have it, you know, you feel like that means you're just going on your way to gender. Wealth is not an indication of gender. If it was Allah would never have given it to the disbelievers. Rather, it can be a punishment from Allah azza wa jal, and a means to be very far away, or it can be a huge cause for good luck in the Hardee's nehama Alma la sala Del Mar is solid, how wonderful

01:20:43--> 01:20:52

is good wealth with a good man. How wonderful is good wealth, with a good man I good wealth with a good person.

01:20:54--> 01:21:20

And that was what we want to aim for. So when we want to make this to our we don't want to ask for allies or gel to give us wealth that is going to take us to Jannah we want wealth that is going to be pure, no matter how great or how small it is, that it's pure, and that we become pure with it. And one of the ways we detach ourselves from this is by sadaqa by giving to other people and by being good to other people.

01:21:24--> 01:21:55

I think that's more or less a summary of the most important things and to be honest, the time has gone late which is one of the reasons why I want to move this to after McGriff inshallah, I will do my best with the q&a. As always, I say to the brothers, I'm not chaining you to your seats. If you're feeling tired, you won't pick up your family and go in Sharla. This is entirely up to you, I will do my best to answer as many of the questions as I can, and there's a lot left to talk about. inshallah, we'll have to make a second session with some of the more related issues that we didn't get time to cover today.

01:22:01--> 01:22:28

If Allah has already written our risk, then why are we commanded to work for it? Why didn't he give it to us straightaway? Is it because he wanted us to work and not be lazy? In that case, we still do pray and do Vicar and other Islamic work which means we are not lazy. So why does ally soldier want us to work for material matters of the dunya everything that a liar so a gentle decrease has a wisdom

01:22:30--> 01:22:56

and alarm so a gel has made this wealth a test one of the wisdom and I will not be able to mention to you all of it but one wisdom behind working for your wealth is it shows the kind of person that you are if you just came down men and Salwa First of all, you become like Bani Israel you start complaining about garlic and onions. Or Loggins gives you well from this from the heavens and you start saying why didn't he give me garlic and onions?

01:22:58--> 01:23:27

The second thing is it shows what kind of a person you are. That it's a test for you how you earn it, and how you spend it. So this is part of the reason why Eliza gel wanted us to work for it. Of course Allah azza wa jal could send it down like he sent men and Salah upon Bani Israel, straight from the heavens nor work. But Allah azza wa jal has asked us to work from it for a wisdom that is with him. And part of that wisdom is to see how we will behave and to test us with

01:23:28--> 01:23:30

some people spend on food.

01:23:32--> 01:23:58

Fast and waste wealth on the occasion of La Slawomir Lodge is this allowed, it's not allowed for us to celebrate LSR valmiera Lodge, not fasting, nor for us to make it any kind of eat. And remember that it is something that comes about regularly the word aid comes from audio

01:23:59--> 01:24:15

comes from audio do something that comes about every year. So it's not allowed for us to fix a day for fasting in the calendar that is not fixed in the calendar by the prophet sallallahu alayhi wa sallam because this is the meaning of

01:24:16--> 01:24:31

something that comes about every year. Nor is it allowed for us to celebrate on that day something the Prophet sallallahu alayhi wa sallam didn't celebrate. And so panela waste is a huge problem, because waste is an example of cutting out the blessings of Allah.

01:24:32--> 01:24:42

And what did we say? If we don't thank Allah for the blessing, Allah will make it a punishment. And one of the ways we don't thank Allah is if we waste the wealth that we have.

01:24:49--> 01:24:55

Would you be able to give some examples on spending wealth Well, how can we define the limit to spend on yourself

01:24:56--> 01:25:00

the essence of Zoho in wealth of abstaining from the dollar

01:25:00--> 01:25:03

And wealth is to only take that which you need.

01:25:04--> 01:25:34

And everyone is according to themselves, it's hard to give an example because what I get for me may not be true for you. For example, if I earn a certain number of a certain amount of Durham's, what is your suffice? suffices me with the size family I have might not be what suffices you, you may need more than me or less than me, according to your circumstances. So it's hard to give an example that is true for everybody. What you really need to ask yourself is

01:25:35--> 01:25:37

is this spending that I am doing

01:25:40--> 01:25:58

enough to suffice my need? Or is it more than I need? And if it's more than I need, do I really want? Is it wasteful? Or is it not? I think there are three levels. Either it meets your need, or either it's more than you need, but it's not wasteful.

01:25:59--> 01:26:03

Or it's wasteful. The wasteful is haram.

01:26:04--> 01:26:34

The first is recommended and halal. And the middle one is something that you should aim to reduce where you can and the more you reduce it, the better you will be in Islam. So we said there's an example which is clearly halaal. And clearly Haram. The clearly halal is when you have the minimum that you need, the basic food, the basic accommodation, the basic transport that you need, simply to get you from A to B without any excess spending, this is clearly halaal. And what is clearly Haram is wasting money.

01:26:36--> 01:27:14

You know, you see a guy has 30 cars, if he has it for investment, because he's saving them to invest to make money on them, then I don't think this is waste. But he has 30 cars, because you know, like I have an abundance of money and you know, what else will I buy? So I just buy cause red color yellow color, green color of the same color, and I don't drive them all, I just park them on my driveway so that everyone sees how much money I have. This is wasteful. Then in the middle, there is someone who buys more than they need. But it's not wasteful. So such as someone who buys an expensive car, let's say somebody buys a Range Rover,

01:27:15--> 01:27:56

somebody buys a Range Rover is a Range Rover necessary, probably not unless you have a certain job that you particularly need one I don't think it's probably necessary. However, it's not wasteful, it's a good card that will probably last longer than other cars and has a level of comfort that other cars don't have. And you know, it's it's from a reliable brand and so on. So it's not I don't think it's necessarily wasteful. However, the more you can reduce these instances where you buy more and more and more without wasting, the better you can be. So the more you reduce these kinds of instances. So if you for example, say look, I bought a nice house in a nice area in Dubai is this

01:27:56--> 01:28:34

wasteful? No because the house has value, you can inshallah sell it, you can live in it, it will provide for you, if it's a big house and you have family, that's not wasteful inshallah, but the more you can suffice, with less, the better Muslim you will be and the closer you will be to Allah azzawajal. So I think you have to see the wealth in these three categories. That which is clearly allowed, which is the minimum you need to survive that which is clearly Haram, which is waste, and that which is in the middle, which is in the middle, it sits in the middle. And that is something which is not wasteful. But it's more than you actually need. You know, you didn't need to spend

01:28:34--> 01:29:12

150,000 Durham's or 200,000 dirhams, you could have spent 30,000 Durham's, it's not necessarily wasteful, but it's more than you need. And that is permissible for you. But the more you can train yourself to just gradually reduce that, the better it will be in your life to Baraka water IRA. So hopefully that will clarify and again, these examples, it's very difficult to give an example if you have, I mean, an abundance of wealth, then by nature, you can spend a little more and still, you know, be comfortable and put a lot of your wealth towards the archaea. If you have very little wealth, you have to be a little more careful about what you do with it.

01:29:15--> 01:29:19

Is it an obligation if you have a lot of wealth to spend in our laws way?

01:29:21--> 01:29:28

It is obligatory to give this a car. everything after that is optional. But the more you give, the better you will be.

01:29:31--> 01:30:00

When we see one of our relatives being tested by Allah, we call him to turn to Allah and help him financially as much as possible. But if we don't find him responding positively, how should we react towards him? With regard to your relative you should be patient. Now you shouldn't give someone money if that money is going to be used for how long? Like the scholars say you shouldn't give sadaqa but you should give them what they need. So example let's say a person has a drinking problem, alcohol problems.

01:30:00--> 01:30:42

And they are in need of food. You don't give them Durham's, because if you give them their hands, they will spend it on alcohol and they will still be hungry. Rather what you do is go and buy them food. So you go and say to them, Look, tell me what you need, well, I need a car, I can't I don't have any transport, Okay, no problem, I will buy you that car that you need. But I will not give you 20,000 dirhams that you will then spend on gambling or alcohol or drugs or whatever it is. So if a person is wasting the money that you're giving them, then what you should do is instead of giving them money, ask them what they need, and buy it for them. As for if you can trust them with the

01:30:42--> 01:30:54

money, that it's better to give them money and let them choose what they need rather than forcing them. You know, when you force someone and say, right, do you want this or this it's better to give them money. But if you see this individual is wasting that money

01:30:56--> 01:31:21

by not using it to please Allah not using it for what they need, or being excessive or you know that they aren't able to spend their wealth properly, then it comes into the Iowa to suffer harmala come Don't give the people who are not reliable your wealth, rather, what you should do is buy for them what they need. So you say you know this is real law, you know, my rent, I can't afford to pay and you know, his money is going on gambling.

01:31:22--> 01:32:01

So you say look, I will pay your rent, I will pay this month, this quarter check or this half year check. I will pay it for you. But I'm not going to give you money that you're going to use to go and spend on Haram. As for if you mean I'm giving money, but they're not starting to practice. Be patient with them and expect a reward from Allah azza wa jal because generally, people will respond over time. Again, you know, you need to see is the money itself, making them closer to Allah or further away. If that money itself is making them further away from Allah, you need to find a different way of helping them if that money is helping to make them closer to Allah, even if they

01:32:01--> 01:32:09

haven't got there yet. Then from the point of servitude, of being good to your relatives, you should continue inshallah, is it an authentic

01:32:10--> 01:32:19

hadith, that nothing changes one's destiny except to our so whatever risk is written for us can also be enhanced through do our

01:32:21--> 01:32:24

with regard to this, we need to understand that powder is of two types.

01:32:26--> 01:33:12

powder which is written in the low hydromorphone, and Qatar which is given to the creation of Allah as He wills such as the angels and so on and so forth. As for the puzzle that is written in the lower fourth, it cannot be changed and nothing changes it whatsoever, the original amount is written and the DA is written and the increase is written. But from the perspective of the angels or mankind, you can increase through and through good deeds. So you can increase your risk. ie let's imagine that ally so a gentle decrease in your lifetime, that you will earn 1 million dirhams. As an example, Allah azza wa jal decrees that in your lifetime, you will earn 1 million Durham's

01:33:14--> 01:33:28

you then you make two and ask Allah for more and Allah increases it to 2 million dirhams this original amount and your do are and the increase all of them are written in the law and Matt forth

01:33:29--> 01:33:52

all of them are written in the preserved tablet 1 million do are 2 million all of them are written but from the point of view of yourself and the angels you do your risk has increased It was 1 million and now it is 2 million. So Qatar in one way never changes and in another way changes from the point of

01:33:53--> 01:34:11

the ultimate cutter that is with a law this never changes as for the daily and yearly cutter that Ally's or gel gives to the angels then this changes according to do and the good deeds that you do an alarm soldier knows best.

01:34:15--> 01:34:16

No problem inshallah.

01:34:18--> 01:34:18

Okay.

01:34:44--> 01:35:00

commission can be permissible in Islam. But what you have to be careful of in financial transactions is not every kind of commission is permissible, and not every kind of trade is permissible. So in general

01:35:00--> 01:35:43

commission is perfectly acceptable, you earn commission on selling a product, you become an agent, effectively, who is selling on a product for another person, and you receive a commission of that product. In some ways this can be completely valid. However, it can also be used as a front for, for example, river as an example, in such a way where somebody calls it commission, but the conditions of that commission are not halal. So what we say with regard to commission is, the concept of commission is fine. You sell a product and you earn commission on the product that you sell. But it has you have to also go into the details, which is maybe something to do in a private session in

01:35:43--> 01:36:19

Sharla. In terms of what exactly the job is, what exactly the commission is, whether you know, the commission in advance or you don't know it in advance, whether it is fixed or not fixed, whether it is fair to both parties or not fair, there are lots and lots of rules in buying and selling and trade in Islam. But as a general idea, the idea of earning commission is fine is acceptable inshallah, for you to be an agent and earn a percentage of the products that you sell. But there are certain conditions that have to be fulfilled, and they're more than we can mention in such a short topic.

01:36:24--> 01:36:27

With regard to insurance, and this was the question I had here.

01:36:28--> 01:36:30

Insurance in general is haram.

01:36:31--> 01:36:36

And its Harlem because it's grossly unfair, and it's a form of gambling.

01:36:37--> 01:37:09

As I said, this morning, someone pays 1000 Durham's and crushes $100,000 home car in the first week, they receive 100,000 Durham's after one week of paying 1000 dirhams. The next person pays 1000 Durham's for 10 years and never crushes the car and doesn't get anything. So this is gambling and it is also deception and it's unfair. So, it's not permissible. However, what is permissible in insurance is to things that which you are forced to have by law

01:37:10--> 01:37:50

that which you are forced to have by law. So, you are not allowed not to have it in which case you must take the minimum and the cheapest that is available just the minimum that you have to pass the law. So for example, they may say you cannot register your car or you cannot change your car without insurance so you take the cheapest that is available the minimum just to get the paper and then you you know you pass that the second is something which is a necessity and that is something that everyone should ask individually I'm not an expert on the medical situation here I've not heard yet had to go to hospital in the UAE so I'm not sure exactly how it works and I think you should ask

01:37:50--> 01:38:01

someone with more local knowledge whether they believe medical insurances and necessity but the basic principle is that these insurances are not are not allowed. The basic principle is they're not allowed and

01:38:03--> 01:38:42

this is something that is we should understand the basic foundation is that it's not allowed, then if there is a necessity we should ask specifically mice my circumstances are x y Zed it Do you believe that it is a necessity for me to take this or not? And that we should be very careful when it comes to necessity that we don't ask for more than we really need. Let's have a look at this one has only got two left inshallah so hopefully we'll wrap up then inshallah I work in a month in the multinational company. My company provides me medical insurance as part of my package. I must pay the clinic and take the bill for a refund and they deduct 100 Durham's per treatment and refund me

01:38:42--> 01:39:23

the balance. Is this allowed or should I not use this my company also gives medical insurance for husband and daughter but they charged me a premium premium of 355 did hums should I pay this and refund their bills as well to get admitted to a hospital they charge? 5000. Durham's this I would rather you ask this question to somebody who has more understanding of the circumstances in the UAE my understanding is that this is not permissible to do however, I'm not aware fully of the way the hospital system works here. And if you ask this to share with our inshallah then I think this is better be nilay to Allah as he has more experience of this than me and he knows to what extent you

01:39:23--> 01:39:27

can do it and to what extent you you can't do it. As for me, I don't have any so

01:39:30--> 01:39:33

I guess I have to pay the $5,000 house if I get admitted to hospital.

01:39:36--> 01:39:40

If someone follows the Imam when he is performing ACTA hayyat in Juma prayer

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should he completed as to America, or as

01:39:48--> 01:39:51

well, I don't recall the answer to this from the top of my head.

01:39:53--> 01:39:59

Should we put a certain age for a woman's marriage or should it be free

01:40:00--> 01:40:08

As for the first one, I don't recall from the top of my head I will try to find the fatwa. Now with regard to what the cutoff point is for jumar as verses,

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I will try to find inshallah now.

01:40:15--> 01:40:16

As for the second question,

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Islam puts the age of the woman for marriage at puberty and above.

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And as a general rule for all people in all time and all places at puberty and above.

01:40:33--> 01:40:38

However, that doesn't mean she should marry. As soon as she becomes an adult.

01:40:40--> 01:40:44

We should also marry at an age which is suitable for her

01:40:47--> 01:41:00

her maturity and is suitable for her lifestyle and is suitable for her society. Islam gives you a general rule, which says the only thing Islam cares about issue should be an adult.

01:41:02--> 01:41:16

So from Islamic point of view, from 15 years old, or whatever it is, it can be younger, and up until Whatever you need, this is Islams limit in terms of a basic principle.

01:41:17--> 01:42:06

On top of that, you have to obey the law of the land. So Islam may say, she's become an adult at 14, she can marry, the law may say she can't marry till she's 16. So we also then have to add to that the law obeying the law in this regard, that if Islam allows her to marry at 14, but she is, by law of the country only allowed to marry at 16. So then she has to wait until then. But even then it doesn't mean that at 16, she should marry, she should marry at an age when she is mature enough to take that responsibility. And the age that is good for her in terms of her religion, and in terms of her society. And we should not be delaying our daughter's marriages until they are 30 4045, which

01:42:06--> 01:42:42

has become the norm now under custom. This is a very evil practice, which prohibits them from a lot of good. Rather, you know, I don't want to set an age because every family and every culture is different, I don't want to say to you, 20, or 18, or 22, because at the end of the day, everybody's family is different. And every girl knows herself, in terms of her maturity, in terms of her family, in terms of her needs, and so on and so forth. Everybody knows themselves. So there is no one age that is one size fits all Islam says it must be after puberty, it must be when she's an adult. Other than that,

01:42:43--> 01:43:29

Islam doesn't give any other rules, the rest is down to your understanding of what is good for her, her society, what is good for her level of maturity, some girls are 1718 are very, very mature, some girls are 2122 are not mature enough. So at the end of the day, when we should not be delaying this, like parents do, and say, you know, after your degree after your doctorate after, after, after, and then she's not, she's not young enough, you know, she's too old, to enjoy her married life properly, to bear many children to you know, grow up with a husband together. And you know, many then she sometimes struggle to get married, she's you know, 3035 40 struggling to get married. And this is

01:43:29--> 01:44:14

not befitting, rather, it should be in an age that is good for her religion, and is good for her, you know, her her psychology, her her mental approach and her maturity. And Islam simply says that it must be above the age of puberty. So and of course in in accordance with the law, whatever the law may be, if it is 18 or 16, as you as is usual, in these days, in the UK, it's 16 with parents permission and 18. Without, so for Muslims effectively, that's 16 because you always have your parents permission. So at the end of the day, Islam doesn't give a fixed age because every individual is different, but we shouldn't be delaying it more than you know more than normal. I take

01:44:14--> 01:44:19

his last one because really My throat is not helping me today, some highlights going on.

01:44:23--> 01:44:29

Not off the top of my head. I can tell you what I talked to sofa is at the end of the first page of soliton. Lisa,

01:44:30--> 01:44:42

any I don't memorize IRA numbers, I can tell you it's at the end of the first page in the most half of saltan Lisa, but the IRA number I don't know and as for qarun sort of costs if I'm not mistaken.

01:44:44--> 01:44:48

But the best thing to do in this regard is just to search for the word qarun on quora.com.

01:44:49--> 01:44:54

I know some of the speakers like to give IR reference numbers for everything.

01:44:55--> 01:45:00

There's no harm in it inshallah. And maybe that is something I can work on adding as well.

01:45:00--> 01:45:38

references are just my ways that if it comes in my head I I mentioned that I and II without the reference but la that's it's a good question well I talked to sofa is in the big in the beginning of certain nissar towards the end of the first page and the story of qarun as I recall from the top of my head is in sort of costs and allies are generals best okay Shall I apologize for keeping you guys late again let's see if we can move the next one to the main lecture after Maghrib and q&a right after Asia that would be I think better inshallah. So this is getting too late and I have to be up at six in the morning to teach the essentials class inshallah tomorrow, so just follow him on

01:45:38--> 01:45:44

robotica lo fi comm well, LaWanda will salatu salam ala nabina Muhammad in it. He was happy ah man