Spend wisely and avoid unnecessary debt
“You spend it economically, meaning between extravagance and miserliness, you carry that middle way.”
Muslims should treat wealth as a trust by following a balanced financial path that avoids extravagance, unnecessary debt, and deprivation while encouraging halal earning, saving, and responsible action.
The khutbah in 5 steps
- Warns that enjoying food and drink can become enslavement to desire.
- Uses Quranic guidance to establish moderation between extravagance and miserliness.
- Urges listeners to distinguish needs from wants and avoid unnecessary debt or showy spending.
- Explains responsibilities toward dependents and the legitimacy of halal savings for emergencies and future needs.
- Concludes that supplication for relief from debt must be accompanied by effort, halal work, and repayment.
In the khateeb's words
“I'm not standing up here saying you don't do it at all, but think about why is it that you're actually doing it?”
“when a man gets into debt, when he speaks, he tells lies, and when he makes a promise, he breaks it.”
“You spend it economically, meaning between extravagance and miserliness, you carry that middle way.”
“What happens is Allah Sallallahu Alaihi Wasallam will open up doors of risk that you didn't know you had.”
For the dinner table
Our money is a trust from Allah, so enjoying good food or comforts is not wrong, but we should not become slaves to our wants. The khutbah teaches us to choose a middle path: avoid showy extravagance, but do not deprive ourselves or the people who depend on us. We should avoid unnecessary debt, earn in halal ways, keep up with what we owe, and save for emergencies and future needs. When worries come, we can make the taught dua morning and evening, while also working, seeking lawful opportunities, and paying our debts. In this way, reliance on Allah includes responsible action.
- When has a want started to feel more like a need, and how could you pause before buying?
- What is one wise reason a family might save money?
- How can making dua and taking practical steps work together?
More on Wealth & charity
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Everyone wants more Rizq, but no one wants accountability and responsibility, and you cannot have one without the other.19:34Qalam · Carrollton, TX · Sep 11, 2026More provision means more accountability