A man asked the Messenger of Allah ﷺ: Messenger of Allah, which sadaqah (charity) is the best ? He replied: (The best sadaqah is) that you give something as sadaqah (charity) when you are healthy, greedy, expect survival and fear poverty, and not that you postpone it until your death. and then you say: For so-and-so is such-and-such, and for so-and-so is such-and-such, while it was already for so-and-so. (Using translation from Abū Dāʾūd 2865)
"أفْضَلُ الصدقةِ: أن تصَّدَّقَ وأَنت صحيحٌ شحيحٌ، تَأمُلُ العيشَ، وتخشى الفَقرَ ولا تُمهِلْ حتى إذا بَلَغَت الحلقومَ قلت: لفلانٍ كذا، ولفلانٍ كذا، وقد كان لفلان".