A man came to the Prophet ﷺ and asked, "Messenger of Allah, which charity carries the greatest reward?"He replied, "That you give in charity while you are healthy and tight-fisted, fearing poverty and hoping for wealth. Do not delay until your soul reaches your throat and then you say, 'So much goes to so-and-so, and so much to so-and-so,' when it already belongs to someone else."
جاء رجل إلى النبي ﷺ فقال: يا رسول الله أي الصدقة أعظم أجرا؟ قال: أن تصدق وأنت صصحيح شحيح تخشى الفقر وتأمل الغنى ولا تمهل حتى إذا بلغت الحلقوم قلت: لفلان كذا، ولفلان كذا، وقد كان لفلان.
Bukhari narrated it in the Book of Zakat (1419), and Muslim in the Book of Zakat (1032:93), both through Abdul-Wahid, who said, "Umara bin Qaqa narrated to us," who said, "Abu Zura narrated to us," who said, "Abu Hurairah narrated to us," and he related the hadith.His saying, "while you are healthy and miserly" — shuhh (miserliness) is stinginess combined with greed.