Making money is relatively easy in today’s world. People chase careers, investments, businesses, and side hustles. But as Muslims, we understand something deeper: wealth is not just about effort, strategy, or intelligence. It is ultimately about qadr (divine destiny).
Allah ﷻ is the All-Powerful. He gives to whom He wills and withholds from whom He wills. Our role is not to question His wisdom but to trust His plan.
Allah reminds us in the Qur’an:
“Say, O Allah, Owner of Sovereignty, You give sovereignty to whom You will and take sovereignty away from whom You will. You honour whom You will, and You humble whom You will. In Your hand is [all] good. Indeed, you are competent in all things.”
(Surah Aal-Imran 3:26)
Wealth is Not a Measure of Your Effort Alone
If you are blessed with riches, remember—it is not solely because of your intelligence, wisdom, or hard work. All those are tools, but Allah’s decree is the ultimate source. He provides one command of “Be,” and he can take away with one command.
The Prophet ﷺ said:
“Know that if the whole nation were to gather together to benefit you with anything, they would not benefit you except with what Allah had already prescribed for you. And if they were to gather together to harm you with anything, they would not harm you except with what Allah had already prescribed against you.”
(Hadith, Tirmidhi)
This is the reality of qadr—everything is already written, and our sustenance (rizq) is part of that decree.
Faith as the Foundation of Strength
Alhamdulillah, I am grateful to be a Muslim. Islam is not a label I wear, but a complete way of life. To me, being Muslim means believing in:
- Allah ﷻ,
- His angels,
- His books (the Qur’an, Torah, and Injeel),
- His messengers,
- The Last Day,
- And divine decree, the good and the bad of it.
Believing in Allah has given me strength and steadfastness. It has made me realise that true success isn’t measured in money, but in closeness to Him.
Allah says:
“Whoever does righteousness, whether male or female, while he is a believer – We will surely cause him to live a good life, and We will surely give them their reward [in the Hereafter] according to the best of what they used to do.”
(Surah An-Nahl 16:97)
A “good life” (hayatan tayyibah) is not necessarily riches and fame—it is peace, contentment, and barakah (blessing) in whatever Allah provides.
Why I Pray for Faith, Knowledge, Wisdom, and Wealth
In my own life, I make du’a to Allah to increase me in imaan, knowledge, wisdom, and wealth. But why?
- With Imaan, I stay strong in trials and tribulations.
- With knowledge, I can distinguish right from wrong.
- With wisdom, I can apply that knowledge correctly.
- With wealth, I can serve Allah by giving in charity, supporting family, and contributing to the Ummah.
The Prophet ﷺ beautifully said:
“The upper hand (the hand that gives) is better than the lower hand (the hand that receives).”
(Bukhari and Muslim)
This shows that wealth is not evil—it’s a tool. In the right hands, wealth becomes a form of worship.
The Balance Between Effort and Trust
Islam does not teach us to sit back and wait for wealth to fall from the sky. We are commanded to work, to seek halal sustenance, and to strive in this dunya. But while we strive, our hearts remain attached to Allah, knowing that everything is by His will.
As the Prophet ﷺ advised:
“Tie your camel and then put your trust in Allah.”
(Tirmidhi)
This means you should put in your best effort, but never think your effort alone guarantees results. Allah opens doors, places barakah, and determines your outcome.
Final Reflection
Wealth is not a sign of success, nor is poverty a sign of failure. True success lies in being grounded in imaan, whether in ease or hardship. The believer understands that both wealth and trials are tests from Allah.
So, if Allah has blessed you with riches, say Alhamdulillah and use them in His path. If He withholds wealth, say Alhamdulillah and trust His wisdom. Either way, you succeed because your heart is content with His decree.
“Indeed, the most honourable of you in the sight of Allah is the most righteous of you.”
(Surah Al-Hujurat 49:13)
And righteousness has nothing to do with your bank account—it’s all about your heart.
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