“O son of Adam, it is better for you if you spend your surplus (wealth), but if you withhold it, it is evil for you. There is (however) no reproach for you (if you withhold means necessary) for a living. And begin (charity) with your dependants; and the upper hand is better than the lower hand.”

Abu Umaamah Sadiyy b. ‘Ijlaan narrated that the Messenger of Allah صلى الله عليه وسلم said:

يا ابن آدم، إنك أن تبذل الفضل خير لك، وأن تمسكه شر لك، ولا تلام على كفاف، »
.« وابدأ بمن تعول، واليد العليا خير من اليد السفلى

“O son of Adam, it is better for you if you spend your surplus (wealth), but if you withhold it, it is evil for you. There is (however) no reproach for you (if you withhold means necessary) for a living. And begin (charity) with your dependants; and the upper hand is better than the lower hand.”

Reported by Muslim.