Abu Kabsha reported,

I heard the Messenger of Allah ﷺ say, "There are three things I swear by, and I will tell you something else, so memorize it.As for the three things I swear by, no servant's wealth is ever decreased by charity, no servant is wronged and bears it patiently except that Allah increases him in honor through it, and no servant opens for himself a door of begging except that Allah opens for him a door of poverty.As for what I will tell you, so memorize it, this world belongs to four kinds of people. A servant whom Allah has provided with wealth and knowledge, who fears his Lord regarding it, maintains his ties of kinship through it, and recognizes Allah's right in it. This person occupies the highest of stations.A servant whom Allah has provided with knowledge but not with wealth, who sincerely says, 'If I had wealth, I would do what so-and-so does.' He acts on this intention, so the reward of both is equal.A servant whom Allah has provided with wealth but not with knowledge, who deals with his wealth recklessly without knowledge, not fearing his Lord regarding it, not maintaining his ties of kinship through it, and not recognizing Allah's right in it. This person occupies the worst of stations.And a servant whom Allah has provided with neither wealth nor knowledge, who says, 'If I had wealth, I would do what so-and-so does.' That is his intention, so the sin of both is equal."

حدثنا عبد الله بن محمد بن نمير حدثنا عبادة بن مسلم حدثني يونس بن خباب عن سعيد أبي البختري الطائي

عن أبي كبشة الأنماري قال

سمعت رسول الله ﷺ يقول ثلاث أقسم عليهن وأحدثكم حديثا فاحفظوه قال فأما الثلاث الذي أقسم عليهن فإنه ما نقص مال عبد صدقة ولا ظلم عبد بمظلمة فيصبر عليها إلا زاده الله عز وجل بها عزا ولا يفتح عبد باب مسألة إلا فتح الله له باب فقر وأما الذي أحدثكم حديثا فاحفظوه فإنه قال إنما الدنيا لأربعة نفر عبد رزقه الله عز وجل مالا وعلما فهو يتقي فيه ربه ويصل فيه رحمه ويعلم لله عز وجل فيه حقه قال فهذا بأفضل المنازل قال وعبد رزقه الله عز وجل علما ولم يرزقه مالا قال فهو يقول لو كان لي مال عملت بعمل فلان قال فأجرهما سواء قال وعبد رزقه الله مالا ولم يرزقه علما فهو يخبط في ماله بغير علم لا يتقي فيه ربه عز وجل ولا يصل فيه رحمه ولا يعلم لله فيه حقه فهذا بأخبث المنازل قال وعبد لم يرزقه الله مالا ولا علما فهو يقول لو كان لي مال لعملت بعمل فلان قال هي نيته فوزرهما فيه سواء