Giving charity while you're healthy and able

A man came to the Prophet ﷺ and said, "O Messenger of Allah, which charity is greatest in reward?" He said, "That you give charity while you are healthy and stingy, fearing poverty and hoping for wealth, and that you do not delay until, when it reaches the throat, you say: 'Such-and-such for so-and-so, and such-and-such for so-and-so,' when it has already become for so-and-so."

جَاءَ رَجُلٌ إِلَى النَّبِيِّ ﷺ فَقَالَ: يَا رَسُولَ اللَّهِ، أَىُّ الصَّدَقَةِ أَعْظَمُ أَجْرًا؟ فَقَالَ: «أَنْ تَصَدَّقَ وَأَنْتَ صَحِيحٌ شَحِيحٌ تَخْشَى الْفَقْرَ وَتَأْمُلُ الْغِنَى، وَلاَ تُمْهِلُ، حَتَّى إِذَا بَلَغَتِ الْحُلْقُومَ قُلْتَ: لِفُلاَنٍ كَذَا، وَلِفُلاَنٍ كَذَا، وَقَدْ كَانَ لِفُلاَنٍ».