Alright, my fellow Gen-Z Muslims, let’s talk about something we all secretly obsess over but act like we’re way too cool to care about: money. Yep, that green (or digital) stuff that makes the world go round. Whether you’re grinding on side hustles or still figuring out how to budget for halal chicken nuggets, we need to have the talk. But before you start worrying, this isn’t your typical “Money is the root of all evil” lecture. Instead, we’re diving into what Islam actually says about money, and spoiler alert: it’s way cooler than you think.
Money Is a Test, Not the Final Boss
First things first: Allah says in the Quran, “Wealth and children are [but] adornment of the worldly life. But the enduring good deeds are better to your Lord for reward and better for [one’s] hope” (Surah Al-Kahf: 46). Translation? Money is great and all, but it’s just decoration, not the main event. It’s like the fancy sprinkles on your sundae of life. Sure, it’s nice to have, but don’t mistake it for the ice cream.
Think of money as one big test in this giant exam called life. Allah gave you some paper and coins (or PayPal credit), and now He’s watching how you’re going to spend it. Are you going to blow it all on Starbucks’ secret menu, or are you going to invest it in sadaqah, your family, and other things that bring barakah (blessing)? No pressure, but also, total pressure.
Stop Flexing, Allah Is Watching
If you’re scrolling Instagram, you’ve probably seen a few “Rich Muslim” influencers posing with designer bags and luxury cars. But here’s a gentle reminder from our Prophet Muhammad (peace be upon him): “The upper hand is better than the lower hand…” (Bukhari & Muslim). What does that mean? Basically, it’s better to give than to show off what you have or, worse, always expect others to provide for you. Flexing might get you likes, but generosity gets you Jannah points. Priorities, people!
And let’s not forget humility. Remember Qarun? That dude from the Quran who was filthy rich but let his ego turn him into a walking disaster. Spoiler: Allah made the earth swallow him and all his wealth. Moral of the story: Don’t be a Qarun.
The “Halal Hustle”, Work Smart, Pray Hard
As Muslims, we’re all about that hustle life, but make it halal. The Prophet (peace be upon him) said, “No one eats better food than that which they have earned with their own hands” (Bukhari). Translation: your halal side hustle is actually Sunnah! So whether you’re flipping thrifted finds on Depop, running an Etsy shop, or coding your way to Silicon Valley, keep grinding. Just make sure the money you’re earning isn’t coming from shady sources. Cryptocurrency that funds sketchy stuff? Not it. Dropping shiploads of fake merch? Also not it.
And here’s the ultimate cheat code: pair your hustle with sincere du’a. There’s literally a du’a for barakah in wealth. Say it regularly, and watch as your income stretches in ways you didn’t think were possible. It’s like having the ultimate life hack, but with divine backing.
Save, Spend, and Sadaqah
Here’s where things get real practical: what are you actually doing with your money? Islam gives us a foolproof 3-step strategy:
- Save: The Prophet (peace be upon him) advised against reckless spending. Saving doesn’t mean hoarding; it’s about planning wisely for the future. Maybe you’re saving for that dream house or even Hajj. Either way, treat your savings like a “fard-lite” for future you.
- Spend: But spend responsibly. Islam encourages us to enjoy the blessings Allah gives us. Got money? Splurge a little on things that make your heart happy (just remember to keep it within halal limits). Treat yo’ self to a modest staycation or that book you’ve been eyeing.
- Sadaqah: Here’s where the magic happens. Giving charity doesn’t just help others; it blesses your wealth, too. The Prophet (peace be upon him) said, “Charity does not decrease wealth” (Muslim). Sounds counterintuitive, but trust the process. Give a little, or a lot, and watch as Allah sends even more your way.
Dua + Discipline = Financial Glow-Up
Here’s the thing about money: it’s not just about earning and spending. It’s about aligning your financial habits with your deen. Budgeting? Sunnah-approved. Investing in halal ventures? Double Sunnah-approved. Random impulse buys at 2 a.m.? Maybe not.
The real glow-up happens when you mix dua with discipline. Make istikhara before big financial decisions, like buying a car or starting a business. Ask Allah for guidance, then do your part by researching, planning, and seeking advice from experts. Your wallet (and your soul) will thank you.
Final Thoughts: The Barakah Effect
At the end of the day, money isn’t evil, it’s a tool. Like your favorite app, it’s all about how you use it. Spend it wisely, share it generously, and remember that real wealth isn’t in your bank account; it’s in your deeds. As the Prophet (peace be upon him) said, “True richness is the richness of the soul” (Bukhari).
So, next time you check your bank balance or get paid, take a moment. Smile, say “Alhamdulillah,” and ask yourself: “How can I use this money to make my dunya and akhirah better?” Trust me, once you start looking at money through this lens, you’ll never see it the same way again.