A man came to the Prophet (may Allah's peace and blessings be upon him) to ask him about the best type of charity. So he said to him: That you give charity when you are in good health and you fear poverty if you live long, and you hope to become rich. Do not defer charity until you are dying and you know that you are about to leave this world and then you say: "For so-and-so I give this amount of money as charity or as a bequest." Lo, the money then belongs to your heir, not to you.