Money touches every part of our lives — how we earn, spend, save, give, and even dream. In Islam, personal finance isn’t just about profit or budgeting — it’s a spiritual responsibility. This course explores how to manage wealth with barakah, discipline, and purpose, rooted in the guidance of the Qur’an and Sunnah.
Whether you’re a student trying to build good habits, a parent managing a household, or someone recovering from financial mistakes, this course will teach you how to view your wealth as an amanah (trust) and a tool for good — not a source of anxiety or greed.
Course Goals
- Understand the Islamic principles of wealth and risk
- Develop skills for budgeting, saving, and investing with halal guidelines
- Learn about zakat, sadaqah, debt management, and inheritance
- Explore emotional and spiritual health around money
- Build a lifelong approach to finance that centers tawakkul, gratitude, and responsibility
Course Format
🧱 10 Levels
🧩 8 Modules per Level
📦 5 Units per Module
📘 3 Lessons per Unit
Each level builds on the previous one — starting with mindset, then moving to practical tools, ethical decisions, and finally long-term vision and legacy building.
Who Is This Course For?
- Muslims seeking to align their financial life with their faith
- Students, professionals, homemakers, or retirees at any income level
- Anyone ready to take control of their money with intentionality and iman
Themes Covered in This Course
- Rizq (Provision) and Divine Will
- Earning Halal Income
- Halal Spending and Lifestyle
- Budgeting and Financial Planning
- Saving and Avoiding Debt
- Zakat and Wealth Purification
- Investing and Wealth Growth
- Islamic Contracts and Transactions
- Family Finance and Shared Goals
- Planning for Legacy: Wills, Inheritance, and Sadaqah Jariyah
Opening Reflection
“Wealth is not having many possessions, but true wealth is contentment of the soul.”
— Prophet Muhammad ﷺ (Sahih al-Bukhari)
In a world that often promotes endless consumption, Islam reminds us that the heart governs the wallet, not the other way around.
Let’s begin this journey of mastering our money — not just for the dunya, but for the akhirah as well.
Level 1: Islamic Mindset Toward Wealth and Rizq
“It Begins With the Heart”
Level Introduction:
Before we learn how to manage money, we have to understand what money means to a Muslim. Islam teaches that rizq (sustenance) comes from Allah — and He gives it in different amounts to different people, always with wisdom.
In this level, we’ll explore contentment, gratitude, ambition, fear, greed, generosity, and tawakkul — so that everything we do with money begins from a spiritually sound place.
This level is the heart of the course.
📗 Module 1: Understanding Rizq in Islam
Unit 1: What Is Rizq?
- Lesson 1: Rizq Is More Than Just Money
- Lesson 2: The Source of All Provision
- Lesson 3: Rizq Comes With Purpose, Not Just Amount
Unit 2: Allah’s Role as ar-Razzaq
- Lesson 1: Meaning and Power of ar-Razzaq
- Lesson 2: Rizq Comes With Taqwa and Effort
- Lesson 3: Trusting Allah When Provision Feels Tight
Unit 3: What Is Written For You
- Lesson 1: Provision Is Decreed Before You’re Born
- Lesson 2: Effort and Tawakkul Work Together
- Lesson 3: Seeking Barakah, Not Just Quantity
Unit 4: Spiritual Signs of Barakah
- Lesson 1: What Is Barakah?
- Lesson 2: Time, Wealth, and Energy That Stretches
- Lesson 3: Duʿā for a Blessed Life
Unit 5: Duʿā and Rizq
- Lesson 1: The Prophet’s ﷺ Duʿā for Provision
- Lesson 2: Asking for Halal, Sustaining Rizq
- Lesson 3: When Duʿā Isn’t “Answered” Immediately
📘 Module 2: Wealth in the Qur’an and Sunnah
Unit 1: The Role of Wealth in the Qur’an
- Lesson 1: Wealth as a Blessing and a Test
- Lesson 2: Commandments on Spending and Saving
- Lesson 3: Stories of Qarun, the People of the Garden, and More
Unit 2: Warnings About Love of Wealth
- Lesson 1: “You Love Wealth With Intense Love” – (Surah al-Fajr)
- Lesson 2: Greed and Hoarding in the Qur’an
- Lesson 3: What It Means to “Love Dunya” Too Much
Unit 3: The Prophet ﷺ’s Relationship With Wealth
- Lesson 1: He Chose Simplicity Over Riches
- Lesson 2: His Generosity Even When He Had Little
- Lesson 3: Zahid (Detached) Yet Financially Responsible
Unit 4: Sahabah and Wealth
- Lesson 1: The Balanced Wealth of Abu Bakr and Uthman
- Lesson 2: Working Hard Without Loving Dunya
- Lesson 3: Spending for Allah Without Hesitation
Unit 5: Wealth as a Means, Not an End
- Lesson 1: Seeking the Akhirah With What You Own
- Lesson 2: Money That Serves, Not Rules
- Lesson 3: Using Wealth to Uplift Others and Reach Jannah
📙 Module 3: Gratitude, Contentment & Ambition
Unit 1: Shukr (Gratitude) in All Conditions
- Lesson 1: Being Thankful With Abundance or Lack
- Lesson 2: Gratitude That Leads to Increase
- Lesson 3: Duʿā of the Prophet ﷺ for a Thankful Heart
Unit 2: Qanaʿah (Contentment)
- Lesson 1: What Is Contentment and What It Is Not
- Lesson 2: The Richest Person Is the One Who Is Content
- Lesson 3: Balancing Ambition With Spiritual Satisfaction
Unit 3: Halal Ambition
- Lesson 1: The Prophet ﷺ Praised Those Who Earned Well
- Lesson 2: Building Wealth for Family, Ummah, and Legacy
- Lesson 3: Dreaming Big With Clean Intentions
Unit 4: Comparison and Envy
- Lesson 1: Social Media, Jealousy, and Resentment
- Lesson 2: Protecting the Heart From Hasad (Envy)
- Lesson 3: Celebrating Others While Trusting Your Rizq
Unit 5: Duʿā for Balance
- Lesson 1: “O Allah, Suffice Me With What Is Halal…”
- Lesson 2: Asking for Enough, Not Excess
- Lesson 3: Praying to Keep Dunya in the Hand, Not the Heart
📒 Module 4: Fear, Scarcity & Financial Anxiety
Unit 1: Fear of Losing Money
- Lesson 1: Shaytan Threatens You With Poverty
- Lesson 2: The Trap of Hoarding and Clinging
- Lesson 3: Building Spiritual Courage With Duʿā
Unit 2: Living Paycheck to Paycheck
- Lesson 1: Survival Mode and Spiritual Health
- Lesson 2: Allah Sees and Knows Your Struggle
- Lesson 3: Barakah in Patience and Planning
Unit 3: Scarcity Mindset
- Lesson 1: Thinking There’s Never Enough
- Lesson 2: Reframing Money as Flow, Not Fear
- Lesson 3: Giving Even When You Feel You Can’t
Unit 4: Trusting the Promise of Allah
- Lesson 1: “He Will Provide From Where You Cannot Imagine”
- Lesson 2: Tawakkul Doesn’t Mean Passivity
- Lesson 3: Trust and Action Go Hand in Hand
Unit 5: Duʿā to Overcome Financial Fear
- Lesson 1: “Do Not Leave Me to Myself…”
- Lesson 2: Asking for Provision With Peace
- Lesson 3: Duʿā for Emotional Security and Rizq
📕 Module 5: Tawakkul and Taking Action
Unit 1: What Is Tawakkul?
- Lesson 1: Definition and Spiritual Power of Tawakkul
- Lesson 2: Reliance With Responsibility
- Lesson 3: Misunderstanding Tawakkul as Passivity
Unit 2: The Prophet’s ﷺ Work Ethic
- Lesson 1: He Sold, Traded, and Labored
- Lesson 2: Teaching the Ummah to Be Independent
- Lesson 3: Worship Doesn’t Cancel Diligence
Unit 3: Striving for Rizq With Ihsan
- Lesson 1: Making Effort With Excellence
- Lesson 2: Avoiding Laziness in the Name of Zuhd
- Lesson 3: Rizq Honors Those Who Work With Integrity
Unit 4: When Things Don’t Go As Planned
- Lesson 1: Accepting Delays Without Despair
- Lesson 2: Learning From Tests in Provision
- Lesson 3: Tawakkul After the Hustle
Unit 5: Duʿā for Rizq With Tawakkul
- Lesson 1: “Place Me Where There Is Goodness and Growth”
- Lesson 2: Asking for Doors to Be Opened
- Lesson 3: “You Are the Best of Providers”
📗 Module 6: Barakah – The Hidden Blessing
Unit 1: Defining Barakah
- Lesson 1: It’s Not About Quantity — It’s About Quality
- Lesson 2: Time, Money, Food, and Energy With Blessing
- Lesson 3: Barakah Is a Divine Touch
Unit 2: How to Seek Barakah
- Lesson 1: Through Salah, Duʿā, and Good Deeds
- Lesson 2: Serving Others to Increase Blessings
- Lesson 3: Keeping the Heart Pure to Attract Barakah
Unit 3: What Blocks Barakah
- Lesson 1: Sin, Stinginess, and Injustice
- Lesson 2: Riba, Dishonesty, and Greed
- Lesson 3: Ingratitude and Forgetting the Giver
Unit 4: Examples of Barakah in the Sunnah
- Lesson 1: One Meal Feeding Many
- Lesson 2: The Barakah of Duʿā in the Marketplace
- Lesson 3: The Prophet’s ﷺ Small Deeds With Lasting Impact
Unit 5: Duʿā for a Life of Barakah
- Lesson 1: Asking for Blessing in Time and Wealth
- Lesson 2: Duʿā for Barakah in Your Work and Family
- Lesson 3: “Let Me Be a Source of Barakah to Others”
📘 Module 7: Rizq and the Ummah
Unit 1: Collective Rizq
- Lesson 1: The Rizq of a Community
- Lesson 2: When Societies Lose or Gain Barakah
- Lesson 3: Ummah-Wide Duʿā for Provision
Unit 2: Wealth Disparity in the Ummah
- Lesson 1: Acknowledging Inequality With Compassion
- Lesson 2: Islam’s Approach to Shared Responsibility
- Lesson 3: Building Systems That Uplift the Needy
Unit 3: Ethical Business and Social Impact
- Lesson 1: Building With the Intent to Benefit Others
- Lesson 2: Sunnah Models for Fair Trade and Charity
- Lesson 3: Rizq That Uplifts Entire Generations
Unit 4: Fiqh of Helping the Poor
- Lesson 1: Zakat, Sadaqah, and Fidyah Basics
- Lesson 2: How to Give and Who to Give To
- Lesson 3: Duʿā for Those Struggling Financially
Unit 5: Duʿā for the Ummah’s Provision
- Lesson 1: “Ya Allah, Sustain the Needy and the Forgotten”
- Lesson 2: Praying for Refugees, Orphans, and Workers
- Lesson 3: Duʿā for Justice in Provision
📙 Module 8: Purifying the Heart for Wealth
Unit 1: Wealth and the Nafs
- Lesson 1: Money Can Expose the Soul
- Lesson 2: Greed vs. Generosity in Islam
- Lesson 3: How to Know if Money Owns You
Unit 2: Signs of a Healthy Relationship With Wealth
- Lesson 1: You Control It — It Doesn’t Control You
- Lesson 2: You’re Quick to Give and Slow to Boast
- Lesson 3: You Value People Over Possessions
Unit 3: The Role of Zuhd (Detachment)
- Lesson 1: Living Simply With a Rich Heart
- Lesson 2: The Prophet ﷺ Could Have Chosen the World
- Lesson 3: Balancing Dunya and Akhirah
Unit 4: Duʿā to Cleanse Wealth and Soul
- Lesson 1: Asking for Rizq That’s Pure and Good
- Lesson 2: Duʿā for Ikhlas (Sincerity) in All Financial Matters
- Lesson 3: “Let This Wealth Be a Mercy, Not a Trial”
Unit 5: Becoming a Person of Rizq and Rahmah
- Lesson 1: Providing With Kindness
- Lesson 2: Building a Legacy of Healing and Help
- Lesson 3: Duʿā to Be a Door of Provision for Others
Level 2: Earning Halal Income
“Work With Integrity. Earn With Intention.”
Level Introduction:
In this level, students will learn how to seek income in a halal way, the types of work that are discouraged or prohibited, and the spiritual mindset of earning. We’ll cover everything from careers and side hustles to workplace ethics, self-employment, and the niyyah (intention) that transforms a paycheck into a path to Jannah.
Islam calls us to work hard — but never at the cost of our values.
📗 Module 1: The Virtue of Earning With Your Hands
Unit 1: Islam’s View of Work
- Lesson 1: The Prophet ﷺ Worked and Encouraged Work
- Lesson 2: Working as a Means of Worship
- Lesson 3: Laziness and Begging in the Sunnah
Unit 2: Dignity in Labor
- Lesson 1: The Sahabah and Their Professions
- Lesson 2: No Work Is “Beneath” the Believer
- Lesson 3: Seeking Income With Humility and Strength
Unit 3: Intention in the Workplace
- Lesson 1: Turning Jobs Into Jihad (Striving)
- Lesson 2: Providing for Family as Worship
- Lesson 3: Duʿā Before, During, and After Work
Unit 4: Balancing Work and Worship
- Lesson 1: Making Time for Salah During the Workday
- Lesson 2: Avoiding Careers That Drain Your Soul
- Lesson 3: Designing a Life With Barakah, Not Burnout
Unit 5: Duʿā for Work With Purpose
- Lesson 1: “Ya Allah, Place Barakah in My Efforts”
- Lesson 2: Duʿā for Halal Earnings
- Lesson 3: Asking for Meaning, Not Just Money
📘 Module 2: Halal vs. Haram Income
Unit 1: What Makes Income Halal or Haram?
- Lesson 1: The Role of Shariah in Economic Life
- Lesson 2: Key Principles That Define Halal Income
- Lesson 3: What the Qur’an and Sunnah Forbid
Unit 2: Common Sources of Haram Income
- Lesson 1: Riba (Interest-Based Income)
- Lesson 2: Gambling, Alcohol, and Haram Goods
- Lesson 3: Deception, Bribery, and Unjust Wages
Unit 3: Gray Areas and Doubtful Earnings
- Lesson 1: When It’s Not Clearly Haram or Halal
- Lesson 2: “Leave That Which Makes You Doubt”
- Lesson 3: Consulting Scholars With Sincerity
Unit 4: Repentance and Cleaning Wealth
- Lesson 1: Can Haram Money Be Purified?
- Lesson 2: How to Give It Away or Start Fresh
- Lesson 3: Tawbah for Past Financial Mistakes
Unit 5: Duʿā for Pure Provision
- Lesson 1: “O Allah, Purify My Earnings”
- Lesson 2: Asking for Clarity in Career Decisions
- Lesson 3: Duʿā to Never Be Trapped by Haram
📙 Module 3: Workplace Ethics in Islam
Unit 1: Trustworthiness (Amanah)
- Lesson 1: The Worker Is Accountable Before Allah
- Lesson 2: Keeping Time, Promises, and Standards
- Lesson 3: Amanah Is a Form of Daʿwah
Unit 2: Justice in Employment
- Lesson 1: Fair Pay and Honest Contracts
- Lesson 2: Treating Employees With Dignity
- Lesson 3: The Sin of Withholding Wages
Unit 3: Avoiding Office Politics and Gossip
- Lesson 1: Guarding the Tongue at Work
- Lesson 2: Navigating Workplace Conflict Islamically
- Lesson 3: When to Speak and When to Stay Silent
Unit 4: Being a Light at Work
- Lesson 1: Representing Islam Through Character
- Lesson 2: Standing Out Without Compromising
- Lesson 3: Letting People Feel Safe Around You
Unit 5: Duʿā for Work Ethics
- Lesson 1: Asking to Work With Excellence (Ihsan)
- Lesson 2: Duʿā for Barakah in Time and Energy
- Lesson 3: Seeking Protection From Burnout and Bad Environments
📒 Module 4: Entrepreneurship & Self-Employment
Unit 1: The Prophet ﷺ as a Businessman
- Lesson 1: His Early Business Dealings
- Lesson 2: Traits of the Prophet’s ﷺ Trading Style
- Lesson 3: Trust as the Greatest Capital
Unit 2: Starting a Business With Barakah
- Lesson 1: Choosing the Right Intention
- Lesson 2: Starting Halal, Staying Halal
- Lesson 3: Making Service, Not Profit, the Priority
Unit 3: Navigating Halal Branding
- Lesson 1: Modesty, Honesty, and No Deception
- Lesson 2: Avoiding Consumer Manipulation
- Lesson 3: Creating Ethical Marketing Models
Unit 4: Giving Back Through Business
- Lesson 1: Building a Sadaqah Model Into Your Company
- Lesson 2: Hiring With Equity and Purpose
- Lesson 3: Duʿā to Make Your Business a Source of Khayr
Unit 5: Work-Life Balance in Business
- Lesson 1: Don’t Let the Hustle Kill the Soul
- Lesson 2: Keeping Salah and Family a Priority
- Lesson 3: Duʿā for Balance and Focus
📕 Module 5: Women and Income in Islam
Unit 1: Women’s Right to Work and Earn
- Lesson 1: Female Companions Who Owned and Managed Wealth
- Lesson 2: Islam’s Protection of a Woman’s Earnings
- Lesson 3: Conditions for Halal Work Environments
Unit 2: Navigating Modesty and Career
- Lesson 1: Dressing and Acting With Dignity
- Lesson 2: When to Work, When to Walk Away
- Lesson 3: Duʿā for Strength in Upholding Values
Unit 3: Income and Family Roles
- Lesson 1: Balancing Between Earning and Caregiving
- Lesson 2: Respecting Roles Without Limiting Opportunity
- Lesson 3: Joint Earning With Mutual Mercy
Unit 4: Financial Independence With Taqwa
- Lesson 1: Avoiding Dependency on Harmful Relationships
- Lesson 2: Building Security Without Arrogance
- Lesson 3: Using Earnings to Empower Good
Unit 5: Duʿā for Working Women
- Lesson 1: “Let Me Earn and Serve With Modesty”
- Lesson 2: Duʿā for Safety and Self-Respect
- Lesson 3: Duʿā for Provision That Honors the Soul
📗 Module 6: Youth and Early Career Planning
Unit 1: Planting Halal Foundations Early
- Lesson 1: The Barakah of Starting Young
- Lesson 2: Learning to Avoid Debt and Riba Early
- Lesson 3: Picking Majors and Paths With the Akhirah in Mind
Unit 2: Internships, First Jobs, and Barakah
- Lesson 1: Duʿā Before Every Career Step
- Lesson 2: Learning Ethics Before Earnings
- Lesson 3: Building a Resume That Reflects You and Your Deen
Unit 3: Navigating Temptations in the Workplace
- Lesson 1: Alcohol, Dating Culture, and Isolation
- Lesson 2: Finding Mentors and Safe Circles
- Lesson 3: When to Leave a Job That Costs Your Iman
Unit 4: Career Planning With Istikhara
- Lesson 1: Seeking Clarity Through Salah
- Lesson 2: Signs After Duʿā — Trusting the Process
- Lesson 3: Being Open to Allah’s Better Plan
Unit 5: Duʿā for Youth and Career Starters
- Lesson 1: “Grant Me Success in What Is Halal and Good”
- Lesson 2: Praying for a Career With Purpose
- Lesson 3: Asking to Be a Source of Rizq for Others Someday
📘 Module 7: Dealing With Job Loss and Transitions
Unit 1: Rizq Doesn’t End With a Job
- Lesson 1: Your Provision Is With Allah, Not an Employer
- Lesson 2: How the Prophet ﷺ and Sahabah Handled Setbacks
- Lesson 3: Duʿā for Provision From Unseen Doors
Unit 2: Managing Stress During Unemployment
- Lesson 1: Battling Shame With Tawakkul
- Lesson 2: Staying Spiritually Active Without Income
- Lesson 3: Seeking Support and Planning Wisely
Unit 3: Exploring New Paths
- Lesson 1: Careers That Fit Your Current Life
- Lesson 2: Using Skills for Freelance or Business
- Lesson 3: Education and Re-Skilling With Intention
Unit 4: Community Responsibility During Job Loss
- Lesson 1: Helping With Dignity and Not Pity
- Lesson 2: Zakat and Sadaqah as a Safety Net
- Lesson 3: Duʿā for the Provision of Others
Unit 5: Duʿā for Transitions and Renewal
- Lesson 1: “Replace This With Better, Ya Allah”
- Lesson 2: Asking for Strength in Uncertainty
- Lesson 3: Duʿā to Grow From Every Setback
📙 Module 8: Legacy in Earning and Providing
Unit 1: Providing for Family With Love
- Lesson 1: The Prophet ﷺ Called It Charity
- Lesson 2: Duʿā While Buying Groceries
- Lesson 3: Every Dollar Spent With Intent Counts
Unit 2: Teaching Financial Responsibility
- Lesson 1: Teaching Children the Value of Halal Earning
- Lesson 2: Encouraging Entrepreneurship With Ethics
- Lesson 3: Building Habits of Saving, Giving, and Living Light
Unit 3: Waqf and Generational Impact
- Lesson 1: Historical Examples of Business-Backed Charity
- Lesson 2: Building Sadaqah Jariyah Through Your Career
- Lesson 3: Duʿā That What You Earn Lives Beyond You
Unit 4: Preparing for Retirement
- Lesson 1: Planning Ahead Without Obsession
- Lesson 2: Investing With Halal and Sustainability
- Lesson 3: Duʿā to Retire With Peace and Purpose
Unit 5: Duʿā for Lifelong Halal Provision
- Lesson 1: “Let Me Leave Behind Rizq, Not Regret”
- Lesson 2: Asking for Legacy, Not Luxury
- Lesson 3: Praying for Barakah in Everything You’ve Built
Level 3: Halal Spending and Lifestyle
“Spend With Intention. Live With Balance.”
Level Introduction:
In a world designed to push us toward excess, impulsiveness, and comparison, Islam grounds us in balance (wasatiyyah), intentionality, and gratitude. This level explores how to spend money in ways that are halal, ethical, and responsible — avoiding extravagance, waste, and harm while still enjoying the blessings Allah has given.
From buying clothes and food to planning vacations and furnishing a home, every spending choice becomes a moment to choose dunya with akhirah in mind.
📗 Module 1: Principles of Halal Spending
Unit 1: What Makes Spending Halal or Haram?
- Lesson 1: Islamic Guidelines for Spending
- Lesson 2: Avoiding Haram Goods and Services
- Lesson 3: Earning Halal, Spending Halal
Unit 2: The Sunnah of Moderation
- Lesson 1: “Eat, Drink, and Don’t Be Excessive”
- Lesson 2: Simplicity in the Prophet’s ﷺ Life
- Lesson 3: Spending With Dignity, Not Flash
Unit 3: Avoiding Israf (Excess) and Tabdhir (Waste)
- Lesson 1: The Qur’anic Warnings Against Waste
- Lesson 2: When Comfort Becomes Show-Off Culture
- Lesson 3: Minimalism as a Form of Zuhd
Unit 4: Planning vs. Hoarding
- Lesson 1: Preparing for the Future Without Fear
- Lesson 2: The Balance of Tawakkul and Saving
- Lesson 3: Knowing When You Have “Enough”
Unit 5: Duʿā for Balanced Spending
- Lesson 1: Asking for Wisdom in Purchases
- Lesson 2: Duʿā for Barakah in What You Buy
- Lesson 3: Praying to Never Spend From Arrogance
📘 Module 2: Needs, Wants, and Lifestyle Design
Unit 1: Distinguishing Needs From Wants
- Lesson 1: Food, Shelter, Clothing – The Basics
- Lesson 2: Learning to Say No to Instant Gratification
- Lesson 3: Making Room for Joy, But Not Addiction
Unit 2: Creating a Conscious Spending Plan
- Lesson 1: Aligning Your Lifestyle With Your Values
- Lesson 2: Financial Self-Awareness Before the Budget
- Lesson 3: Auditing Where Your Money Actually Goes
Unit 3: Islam and Minimalism
- Lesson 1: The Prophet ﷺ Slept on a Mat — and Smiled
- Lesson 2: Choosing Space Over Stuff
- Lesson 3: Intentional Living Over Accumulation
Unit 4: When Luxury Is Halal
- Lesson 1: It’s Not Haram to Enjoy What Allah Gives
- Lesson 2: Rich Sahabah and Their Example
- Lesson 3: The Difference Between Comfort and Pride
Unit 5: Duʿā for Lifestyle With Barakah
- Lesson 1: “O Allah, Grant Me Contentment in What I Have”
- Lesson 2: Praying to Enjoy Without Excess
- Lesson 3: Duʿā to Be Grateful and Grounded
📙 Module 3: Clothing, Modesty & Identity
Unit 1: Clothing as a Form of Worship
- Lesson 1: Dressing With Modesty and Dignity
- Lesson 2: Cleanliness and Presentation in Islam
- Lesson 3: The Sunnah of Simplicity in Dress
Unit 2: Modesty and Spending
- Lesson 1: When Fashion Becomes a Temptation
- Lesson 2: Avoiding Clothing That Reflects Arrogance
- Lesson 3: Pride in Identity vs. Pride in Ego
Unit 3: Supporting Ethical Fashion
- Lesson 1: Avoiding Exploitation and Sweatshops
- Lesson 2: Buying Less, Wearing With Care
- Lesson 3: Sunnah Approach to Consumption
Unit 4: Uniformity vs. Uniqueness
- Lesson 1: Not All Muslims Must Look the Same
- Lesson 2: Making Space for Culture and Personality
- Lesson 3: Representing Islam With Ihsan in Appearance
Unit 5: Duʿā for Dressing With Humility
- Lesson 1: “Clothe Me With Honor, Not Vanity”
- Lesson 2: Gratitude for What You Wear
- Lesson 3: Asking for Beauty With Sincerity
📒 Module 4: Food, Dining & Hospitality
Unit 1: Eating Halal and Tayyib
- Lesson 1: The Qur’an’s Guidelines on Food
- Lesson 2: Halal, Tayyib, and Ethical Eating
- Lesson 3: Being Aware of Where and How We Eat
Unit 2: Dining With Intentionality
- Lesson 1: Sunnah Etiquettes of Eating
- Lesson 2: Eating in Moderation
- Lesson 3: The Prophet’s ﷺ Relationship With Food
Unit 3: The Culture of Overindulgence
- Lesson 1: Wasting Food at Buffets and Parties
- Lesson 2: Avoiding Overeating in Celebrations
- Lesson 3: Fasting as a Reset for Food Habits
Unit 4: Hospitality With Barakah
- Lesson 1: Feeding Guests as Worship
- Lesson 2: Serving Simply With Love
- Lesson 3: Creating a Home of Generosity
Unit 5: Duʿā for Barakah in Food and Provision
- Lesson 1: Duʿā Before and After Meals
- Lesson 2: Asking for Provision With Sincerity
- Lesson 3: Gratitude That Prevents Waste
📕 Module 5: Celebrations, Gifting & Events
Unit 1: Sunnah Celebrations
- Lesson 1: Eid al-Fitr and Eid al-Adha
- Lesson 2: Avoiding Imitation of Harmful Customs
- Lesson 3: Making Halal Fun the Norm
Unit 2: Weddings and Cultural Balance
- Lesson 1: Spending With Dignity and Simplicity
- Lesson 2: Avoiding Debt and Showmanship
- Lesson 3: Celebrating With Tawheed and Love
Unit 3: Gifting and Generosity
- Lesson 1: “Exchange Gifts and Love Will Grow”
- Lesson 2: Simple Gifts With Thoughtfulness
- Lesson 3: Making Gifting a Family Habit
Unit 4: Hosting Events With Barakah
- Lesson 1: Avoiding Excess and Competition
- Lesson 2: Including the Poor and Forgotten
- Lesson 3: Feeding the Heart, Not Just the Stomach
Unit 5: Duʿā for Blessed Gatherings
- Lesson 1: “Ya Allah, Place Barakah in This Occasion”
- Lesson 2: Praying for Unity and Joy
- Lesson 3: Duʿā for Those Who Give and Receive
📗 Module 6: Digital Spending and Consumer Culture
Unit 1: Spending in the Digital Age
- Lesson 1: How Ads, Algorithms, and Clicks Control Us
- Lesson 2: Mindless Spending on Subscriptions and Sales
- Lesson 3: Learning to Say “No” With Iman
Unit 2: Online Shopping With Intention
- Lesson 1: Avoiding Impulse Buys
- Lesson 2: Planning Before Purchasing
- Lesson 3: Adding Duʿā Before Checkout
Unit 3: Social Media and Money Pressure
- Lesson 1: The Influence of Influencers
- Lesson 2: Avoiding Comparison Traps
- Lesson 3: Curating a Healthier Financial Feed
Unit 4: Digital Minimalism
- Lesson 1: Owning Less, Living More
- Lesson 2: Apps That Help vs. Apps That Drain
- Lesson 3: Building a Clean and Intentional Online Life
Unit 5: Duʿā for Self-Control and Clarity
- Lesson 1: “O Allah, Guide My Spending and My Scroll”
- Lesson 2: Duʿā to Avoid Regret and Rashness
- Lesson 3: Praying to See Through the Illusions of Dunya
📘 Module 7: Financial Manners and Boundaries
Unit 1: Asking for Help With Dignity
- Lesson 1: When It’s Okay to Seek Assistance
- Lesson 2: Guidelines for Borrowing With Respect
- Lesson 3: Duʿā for Halal Relief
Unit 2: Saying No Without Guilt
- Lesson 1: Setting Financial Limits With Kindness
- Lesson 2: Prioritizing Responsibilities Over Pressure
- Lesson 3: Not Owing an Explanation for Every Choice
Unit 3: Healthy Boundaries in Families
- Lesson 1: Navigating Expectations Without Sin
- Lesson 2: Giving With Wisdom and Fairness
- Lesson 3: Duʿā to Honor Parents Without Being Drained
Unit 4: Manners of Lending and Borrowing
- Lesson 1: Clear Terms and Documentation
- Lesson 2: Avoiding Conflict With Communication
- Lesson 3: Islam’s Guidance on Fairness
Unit 5: Duʿā for Boundaries and Barakah
- Lesson 1: “Let Me Give Without Being Pressured”
- Lesson 2: Asking for Strength to Respect Limits
- Lesson 3: Duʿā for Emotional and Financial Maturity
📙 Module 8: Spending as a Path to Jannah
Unit 1: Giving for Allah
- Lesson 1: Sadaqah Is a Shield From Hellfire
- Lesson 2: Hidden Giving That Heals the Heart
- Lesson 3: Generosity Even When You Have Little
Unit 2: Spending on Family With Love
- Lesson 1: Feeding Your Family Is Sadaqah
- Lesson 2: Intentional Purchases That Build the Home
- Lesson 3: Buying With the Akhirah in Mind
Unit 3: Supporting Causes With Strategy
- Lesson 1: Donating to Reliable Projects
- Lesson 2: Building a Monthly Giving Habit
- Lesson 3: Making Duʿā for Your Charity to Be Accepted
Unit 4: End-of-Life Spending
- Lesson 1: Writing a Will and Sadaqah Jariyah
- Lesson 2: Giving While Alive — Not Just When Dying
- Lesson 3: Spending That Outlives You
Unit 5: Duʿā to Be a Source of Barakah
- Lesson 1: “Let My Wealth Be a Door to Your Mercy”
- Lesson 2: Asking to Be Used for Good
- Lesson 3: “Let Me Die With Nothing Wasted”
Level 4: Budgeting and Financial Planning
“Every Dollar With Purpose, Every Step With Barakah”
Level Introduction:
Islam does not only teach us how to earn and spend wealth, but how to plan and manage it responsibly. In this level, we move into the practical side of personal finance: creating budgets, setting goals, organizing expenses, and avoiding financial chaos.
A believer’s financial plan isn’t just about security and survival — it’s about building a life of intentionality, simplicity, and service. Through budgeting, we gain control over our wealth so it never controls us.
📗 Module 1: The Purpose of a Budget in Islam
Unit 1: Why Budgeting Is Sunnah in Spirit
- Lesson 1: The Prophet ﷺ and Frugal Living
- Lesson 2: Accountability in Wealth Is a Form of Taqwa
- Lesson 3: Barakah Comes With Intention and Structure
Unit 2: Financial Planning as an Act of Worship
- Lesson 1: Organizing Your Rizq With Ikhlas
- Lesson 2: Knowing Where Your Wealth Is Going
- Lesson 3: Budgeting for Sadaqah and Spiritual Goals
Unit 3: From Survival to Strategy
- Lesson 1: Moving From Crisis Mode to Growth
- Lesson 2: The Power of Small Steps Over Time
- Lesson 3: Trusting Allah While Planning Ahead
Unit 4: Emotional Resistance to Budgeting
- Lesson 1: Shame, Fear, and Financial Avoidance
- Lesson 2: Replacing Guilt With Curiosity
- Lesson 3: Being Gentle With Yourself as You Learn
Unit 5: Duʿā for Financial Clarity
- Lesson 1: “Ya Allah, Help Me Manage With Wisdom”
- Lesson 2: Asking to Be Free From Chaos and Regret
- Lesson 3: Duʿā for Structure With Spiritual Flow
📘 Module 2: Building a Simple and Spiritual Budget
Unit 1: Setting Up a Basic Budget
- Lesson 1: Income, Fixed Expenses, and Variable Expenses
- Lesson 2: Understanding Needs vs. Wants (Revisited)
- Lesson 3: Getting Real With the Numbers
Unit 2: Monthly Planning With Duʿā
- Lesson 1: Preparing for the Month Spiritually and Financially
- Lesson 2: Checking In Weekly and Adjusting
- Lesson 3: Closing the Month With Gratitude and Reflection
Unit 3: The 5-Category Islamic Budget
- Lesson 1: Essentials, Sadaqah, Savings, Joy, and Growth
- Lesson 2: Avoiding Extreme Restriction or Indulgence
- Lesson 3: Creating Balance and Consistency
Unit 4: Making Budgeting a Family Habit
- Lesson 1: Involving Spouses and Children in Budget Talks
- Lesson 2: Teaching Through Transparency, Not Shame
- Lesson 3: Turning Budgeting Into a Barakah Ritual
Unit 5: Duʿā to Stay Committed
- Lesson 1: Asking for Consistency and Discipline
- Lesson 2: Duʿā for Healing Your Relationship With Money
- Lesson 3: “Let My Budget Reflect What I Value Most”
📙 Module 3: Short-Term Financial Goals
Unit 1: Defining Realistic Goals
- Lesson 1: What Makes a Goal Islamic and Achievable
- Lesson 2: Aligning with Your Life Stage and Priorities
- Lesson 3: Duʿā to Clarify and Refine Your Goals
Unit 2: Emergency Fund Essentials
- Lesson 1: Why Emergency Funds Matter Spiritually and Practically
- Lesson 2: How Much Should You Save?
- Lesson 3: Starting With Small, Regular Contributions
Unit 3: Saving for Expected Expenses
- Lesson 1: Back-to-School, Bills, Gifts, Health
- Lesson 2: Automating and Separating Savings
- Lesson 3: Building Savings Into Your Budget
Unit 4: Avoiding Panic Spending
- Lesson 1: When Unexpected Expenses Arise
- Lesson 2: Using Duʿā to Manage Emotions First
- Lesson 3: Leaning Into Planning, Not Panic
Unit 5: Duʿā for Short-Term Goals
- Lesson 1: “Ya Allah, Help Me Meet My Needs With Ease”
- Lesson 2: Praying for Control and Preparedness
- Lesson 3: Duʿā for Wisdom in What to Prioritize
📒 Module 4: Long-Term Financial Planning
Unit 1: Dreaming With the Akhirah in Mind
- Lesson 1: Setting Financial Goals for Dunya and Deen
- Lesson 2: Defining “Success” Through an Islamic Lens
- Lesson 3: Writing Goals With Tawakkul, Not Anxiety
Unit 2: Planning for Hajj, Marriage, Education
- Lesson 1: Making Sacred Goals Part of Your Budget
- Lesson 2: Researching Costs and Timeframes
- Lesson 3: Saving While Trusting Allah
Unit 3: Islamic Retirement Concepts
- Lesson 1: Planning to Rest Without Forgetting Worship
- Lesson 2: Preparing to Serve After Career Ends
- Lesson 3: Ensuring You’re Not a Burden on Others
Unit 4: Legacy Goals
- Lesson 1: Waqf, Endowments, and Sadaqah Jariyah
- Lesson 2: Wealth That Outlives You
- Lesson 3: Planning Impact, Not Just Accumulation
Unit 5: Duʿā for Long-Term Barakah
- Lesson 1: “Let My Goals Be Guided by You”
- Lesson 2: Asking for Outcomes Beyond Our Sight
- Lesson 3: “Bless Me With a Future That Serves My Akhirah”
📕 Module 5: Seasonal and Annual Planning
Unit 1: Planning Around Ramadan
- Lesson 1: Prepping for Iftar, Charity, Eid
- Lesson 2: Budgeting to Maximize Giving
- Lesson 3: Avoiding Over-Spending During the Holiest Month
Unit 2: Zakat Planning
- Lesson 1: Budgeting Zakat Into Your Year
- Lesson 2: Calculating, Tracking, and Scheduling It
- Lesson 3: Duʿā for Acceptance and Sincerity
Unit 3: Year-End Financial Reviews
- Lesson 1: Reflecting on Habits and Goals Met
- Lesson 2: Adjusting Based on the Past Year
- Lesson 3: Setting a Financial Theme for the Year Ahead
Unit 4: Using the Hijri Calendar in Budgeting
- Lesson 1: Building Around Spiritual Seasons
- Lesson 2: Centering Time and Money on Barakah
- Lesson 3: Weaving Worship Into Your Budgeting Timeline
Unit 5: Duʿā for Yearly Success
- Lesson 1: “Let My Year Be a Year of Barakah”
- Lesson 2: Asking for Financial Ease and Blessings
- Lesson 3: Praying to Meet Each Season With Provision
📗 Module 6: Budgeting With a Family or Spouse
Unit 1: Joint Financial Planning
- Lesson 1: Shared Goals, Separate Roles
- Lesson 2: Transparency Without Control
- Lesson 3: Planning With Mercy and Realism
Unit 2: Building a Monthly Family Budget
- Lesson 1: Combining Needs, Wants, Sadaqah
- Lesson 2: Planning for Kids, Emergencies, and Joy
- Lesson 3: Using Family Meetings to Review Finances
Unit 3: Teaching Children Financial Habits
- Lesson 1: Involving Kids in Budgeting With Simplicity
- Lesson 2: Allowances, Savings, and Sadaqah
- Lesson 3: Lessons on Contentment and Shukr
Unit 4: Navigating Conflict Around Money
- Lesson 1: Dealing With Different Money Styles
- Lesson 2: Avoiding Blame and Secret Spending
- Lesson 3: Duʿā and Dialogue as Tools for Harmony
Unit 5: Duʿā for Family Barakah
- Lesson 1: “Unite Our Hearts in Responsibility”
- Lesson 2: Praying for Harmony in Planning
- Lesson 3: Duʿā to Use Money to Serve Each Other
📘 Module 7: Tools and Systems for Success
Unit 1: Manual or Digital?
- Lesson 1: Paper Planners, Apps, or Spreadsheets?
- Lesson 2: Pros and Cons for Each Style
- Lesson 3: Choosing What Works With Your Flow
Unit 2: The Envelope or Jar Method
- Lesson 1: Physically Separating Spending Categories
- Lesson 2: Teaching Tangibility to Children and Teens
- Lesson 3: Digitally Replicating the Concept
Unit 3: Automating for Barakah
- Lesson 1: Automatic Savings, Zakat, and Sadaqah
- Lesson 2: Letting Good Habits Run on Autopilot
- Lesson 3: Duʿā to Stay Present While Automating
Unit 4: Tracking Progress Gently
- Lesson 1: Reviewing Without Harsh Self-Talk
- Lesson 2: Progress Over Perfection
- Lesson 3: Adjusting, Not Quitting
Unit 5: Duʿā for Consistency and Growth
- Lesson 1: “Keep Me Steady, Even in Setbacks”
- Lesson 2: Duʿā for Discipline Without Harshness
- Lesson 3: “Let My Financial Habits Please You, Ya Allah”
📙 Module 8: Barakah-Centered Goal Setting
Unit 1: Vision Boards With Akhirah In Mind
- Lesson 1: Dreaming Big Without Losing Perspective
- Lesson 2: Visual Reminders That Motivate With Purpose
- Lesson 3: Duʿā at Every Step of the Journey
Unit 2: SMART Goals, Islamic Values
- Lesson 1: Specific, Measurable, Actionable… With Tawakkul
- Lesson 2: Aligning Ambition With Submission
- Lesson 3: Turning Goal Setting Into Worship
Unit 3: Milestones and Celebrations
- Lesson 1: Acknowledging Your Wins
- Lesson 2: Making Shukr Part of Every Achievement
- Lesson 3: Celebrating Progress, Not Just Completion
Unit 4: Revisiting Your Budget Every Season
- Lesson 1: Making Adjustments With Life Changes
- Lesson 2: Using Ramadan, Hajj, and Muharram as Checkpoints
- Lesson 3: Using Reflection to Refine Direction
Unit 5: Duʿā to Live With Purpose and Provision
- Lesson 1: “Ya Allah, Align My Wealth With My Mission”
- Lesson 2: Praying for Wisdom in Every Change
- Lesson 3: Duʿā to Let Your Budget Serve Your Soul
Level 5: Saving and Avoiding Debt
“Build With Barakah, Not Burden”
Level Introduction:
This level helps you build a healthy, Islamic relationship with saving — not out of fear, but with vision and discipline. At the same time, it guides you through avoiding or managing debt with spiritual awareness and practical tools.
In Islam, savings reflect responsibility, and debt reflects risk and vulnerability. We are taught to plan, save, and prepare while always relying on Allah for provision and relief. In this level, you’ll learn how to grow your financial resilience while protecting your peace of mind.
📗 Module 1: The Value of Saving in Islam
Unit 1: Saving With Tawakkul
- Lesson 1: The Balance Between Planning and Trusting Allah
- Lesson 2: Saving Isn’t Greed — It’s Wisdom
- Lesson 3: Duʿā for Saving Without Obsession
Unit 2: Prophetic Wisdom in Saving
- Lesson 1: The Prophet ﷺ Stored Supplies for His Family
- Lesson 2: Encouragement to Prepare Without Fear
- Lesson 3: Barakah in Planning Ahead
Unit 3: Building a Savings Habit
- Lesson 1: Small Amounts, Big Results Over Time
- Lesson 2: Automating or Physically Separating Your Savings
- Lesson 3: Making Saving Part of Your Routine
Unit 4: Saving for Different Life Areas
- Lesson 1: Emergency Fund, Travel, Education, and Hajj
- Lesson 2: Organizing Goals by Category
- Lesson 3: Saving to Serve, Not Just to Store
Unit 5: Duʿā for Savings With Purpose
- Lesson 1: “Let What I Save Be a Means of Goodness”
- Lesson 2: Asking to Save Without Stinginess
- Lesson 3: Duʿā for Contentment While Waiting for Goals
📘 Module 2: Understanding the Dangers of Debt
Unit 1: Debt in the Qur’an and Sunnah
- Lesson 1: Strong Warnings About Being in Debt
- Lesson 2: The Prophet ﷺ Made Duʿā Against Debt Daily
- Lesson 3: Debt Is Spiritual, Not Just Financial
Unit 2: Avoiding Unnecessary Debt
- Lesson 1: Separating Needs From Wants
- Lesson 2: The Harm of “Buy Now, Pay Later” Culture
- Lesson 3: Seeking Halal Alternatives First
Unit 3: Halal vs. Haram Debt
- Lesson 1: Islamic Views on Interest-Based Loans
- Lesson 2: Permissible Forms of Borrowing
- Lesson 3: Duʿā for Discernment When Facing Financial Pressure
Unit 4: Emotional and Mental Effects of Debt
- Lesson 1: Stress, Anxiety, and Relationship Strain
- Lesson 2: Breaking the Shame Around Asking for Help
- Lesson 3: The Power of Duʿā in Debt Recovery
Unit 5: Duʿā for Freedom From Debt
- Lesson 1: “O Allah, Free Me From Debt and Burden”
- Lesson 2: Daily Duʿā of the Prophet ﷺ for Debt Relief
- Lesson 3: Praying for Strength, Dignity, and Independence
📙 Module 3: Building a Savings System
Unit 1: Different Types of Savings Goals
- Lesson 1: Emergency, Short-Term, and Long-Term
- Lesson 2: How to Prioritize Multiple Savings Buckets
- Lesson 3: Naming Your Goals for Motivation
Unit 2: The Power of Automation
- Lesson 1: “Set It and Forget It” Strategy
- Lesson 2: How to Automate Based on Pay Schedule
- Lesson 3: Keeping Sadaqah and Savings Both Active
Unit 3: Physical vs. Digital Saving
- Lesson 1: Savings Jars, Envelopes, and Cash-Based Methods
- Lesson 2: Digital Tools, Apps, and Separate Bank Accounts
- Lesson 3: Choosing the Method That Builds Your Consistency
Unit 4: Saving as a Spiritual Exercise
- Lesson 1: Intention: Not to Hoard, but to Prepare
- Lesson 2: Gratitude While You Build
- Lesson 3: Duʿā While You Delay Gratification
Unit 5: Duʿā to Make Saving Easy
- Lesson 1: “Ya Allah, Help Me Build Without Fear”
- Lesson 2: Praying for Barakah in Every Coin
- Lesson 3: “Let My Wealth Be Used in the Right Moment”
📒 Module 4: Debt Prevention Tactics
Unit 1: Creating a Debt-Avoidance Lifestyle
- Lesson 1: Living Below Your Means
- Lesson 2: Practicing Contentment and Delayed Gratification
- Lesson 3: Planning Purchases, Not Reacting to Ads
Unit 2: Rethinking “Essential” Expenses
- Lesson 1: Is This a Need or a Norm?
- Lesson 2: Removing Financial Peer Pressure
- Lesson 3: Curbing the Desire to Upgrade Constantly
Unit 3: Setting Limits and Boundaries
- Lesson 1: Spending Caps for Specific Categories
- Lesson 2: Communicating Financial Boundaries to Others
- Lesson 3: Sticking to Limits Without Shame
Unit 4: When Loans Are Offered Easily
- Lesson 1: Credit Cards, Buy Now Pay Later, Store Credit
- Lesson 2: Recognizing Predatory Offers
- Lesson 3: Duʿā for Discernment Before Signing Anything
Unit 5: Duʿā for a Debt-Free Lifestyle
- Lesson 1: “Protect Me From Living Beyond My Means”
- Lesson 2: Asking for Tawfiq in Planning
- Lesson 3: Praying to Be Free From Financial Anxiety
📕 Module 5: Managing Debt Wisely
Unit 1: Understanding What You Owe
- Lesson 1: Listing Debts Clearly and Honestly
- Lesson 2: Breaking It Down by Category and Priority
- Lesson 3: Knowing When You Need Help
Unit 2: Repayment With Integrity
- Lesson 1: Paying Back On Time and Communicating Well
- Lesson 2: Islam’s Emphasis on Honoring Agreements
- Lesson 3: Sincerity in Reducing Harm to Others
Unit 3: Creating a Debt Payoff Plan
- Lesson 1: Snowball vs. Avalanche Methods
- Lesson 2: Building Repayment Into Your Budget
- Lesson 3: Celebrating Progress With Shukr
Unit 4: Negotiating and Seeking Relief
- Lesson 1: Talking to Creditors With Dignity
- Lesson 2: Asking for Extensions or Support
- Lesson 3: Islamic Principles of Debt Forgiveness
Unit 5: Duʿā for Progress and Repayment
- Lesson 1: “Let Me Pay What I Owe Without Shame”
- Lesson 2: Praying for Emotional Peace While in Debt
- Lesson 3: Duʿā to Be Able to Give Back One Day
📗 Module 6: Student Loans and Major Debts
Unit 1: The Student Debt Dilemma
- Lesson 1: Navigating Modern Realities
- Lesson 2: When You Feel You Had No Choice
- Lesson 3: Seeking Barakah in Repaying It Right
Unit 2: Exploring Islamic Alternatives
- Lesson 1: Halal Scholarships and Study Programs
- Lesson 2: Employer-Sponsored Education or Apprenticeships
- Lesson 3: Raising a Debt-Free Generation
Unit 3: Buying a Home Islamically
- Lesson 1: Understanding Riba and Islamic Mortgage Options
- Lesson 2: When Renting Is the Better Option
- Lesson 3: Duʿā for a Home With Peace and Halal Rizq
Unit 4: Car Payments, Business Loans, and More
- Lesson 1: Comparing Leasing, Financing, and Saving
- Lesson 2: Building Barakah Into Every Transaction
- Lesson 3: Thinking Long-Term Before Committing
Unit 5: Duʿā for Major Financial Decisions
- Lesson 1: Praying Istikharah for Debt-Heavy Choices
- Lesson 2: “O Allah, Replace This With Something Better”
- Lesson 3: Duʿā for Wisdom in Risk
📘 Module 7: Helping Others Without Harming Yourself
Unit 1: Lending With Mercy
- Lesson 1: Lending Money as a Sunnah Practice
- Lesson 2: Not Charging Interest or Creating Harm
- Lesson 3: Being Gentle If They Can’t Repay
Unit 2: Lending vs. Giving
- Lesson 1: When to Offer Sadaqah Instead
- Lesson 2: Making the Intention Clear at the Start
- Lesson 3: Duʿā to Detach From Outcome
Unit 3: Saying No Without Guilt
- Lesson 1: When You Can’t Afford to Help
- Lesson 2: Honoring Boundaries With Compassion
- Lesson 3: Duʿā for Wisdom in Generosity
Unit 4: Building a Community Safety Net
- Lesson 1: Helping Collectively Through Masjid Funds
- Lesson 2: Creating Family-Based Support Systems
- Lesson 3: Being a Safe Person to Ask for Help
Unit 5: Duʿā for Empowered Generosity
- Lesson 1: “Let Me Help Without Becoming Harmed”
- Lesson 2: Asking to Give With Mercy and Strength
- Lesson 3: Duʿā for a Community That Has Each Other’s Backs
📙 Module 8: Freedom From Debt as a Spiritual Goal
Unit 1: Dying Debt-Free
- Lesson 1: The Prophet ﷺ Delayed Janazah for Debts
- Lesson 2: Writing Down Debts in Your Will
- Lesson 3: Making Final Repayment a Family Priority
Unit 2: Legacy, Not Liability
- Lesson 1: Planning to Leave Barakah, Not Burden
- Lesson 2: Teaching Children the Value of Debt-Free Living
- Lesson 3: Ending Your Financial Story With Dignity
Unit 3: Zakat and Sadaqah Toward Debt Relief
- Lesson 1: Helping Pay the Debts of Others
- Lesson 2: Creating Debt Relief Funds as a Sadaqah Jariyah
- Lesson 3: The Reward of Lifting Someone’s Burden
Unit 4: Freedom to Serve
- Lesson 1: Financial Freedom = Time and Energy for Worship
- Lesson 2: Living Light, Giving Freely
- Lesson 3: Duʿā to Be Used for Bigger Missions
Unit 5: Final Duʿā of the Level
- Lesson 1: “Free Me, Ya Allah, From Every Weight”
- Lesson 2: “Replace My Struggle With Ease and Clarity”
- Lesson 3: “Let My Life and Wealth Be a Source of Mercy, Not Burden”
Level 6: Zakat and Wealth Purification
“Purify What You Love, Share What You Earn”
Level Introduction:
Zakat is not just a pillar of Islam — it’s a purifier of wealth and a transformer of society. It teaches us that true ownership belongs to Allah, and our money is a trust to be distributed with justice.
In this level, you’ll learn how to calculate and give zakat, distinguish it from sadaqah, understand its deep spiritual meanings, and explore how wealth — when purified — becomes a source of healing, both personally and communally.
📗 Module 1: The Spiritual Meaning of Zakat
Unit 1: Zakat as a Pillar of Islam
- Lesson 1: The Five Pillars and the Role of Zakat
- Lesson 2: Why It’s an Obligation, Not a Charity
- Lesson 3: Zakat as a Path to Jannah
Unit 2: Purification Through Zakat
- Lesson 1: The Word “Zakat” Means to Cleanse and Grow
- Lesson 2: How Zakat Removes Greed, Pride, and Guilt
- Lesson 3: Zakat as a Spiritual Investment
Unit 3: Emotional Effects of Giving
- Lesson 1: Releasing Attachment to Money
- Lesson 2: Zakat Helps You Live Light and Free
- Lesson 3: Gratitude That Fuels Generosity
Unit 4: The Prophet’s ﷺ View on Zakat
- Lesson 1: Stories of His Emphasis on Distribution
- Lesson 2: How He Encouraged Others to Give, Not Hoard
- Lesson 3: Building a Culture of Purification
Unit 5: Duʿā for Acceptance of Zakat
- Lesson 1: “Accept This From Me, Ya Allah”
- Lesson 2: Praying That It Reaches the Right Person
- Lesson 3: Asking for Sincerity and Hidden Reward
📘 Module 2: Zakat vs. Sadaqah
Unit 1: Understanding the Differences
- Lesson 1: Obligatory vs. Voluntary Giving
- Lesson 2: Zakat Has Rules — Sadaqah Has Flexibility
- Lesson 3: Both Purify and Heal, in Different Ways
Unit 2: The Role of Sadaqah
- Lesson 1: Giving Beyond the Minimum
- Lesson 2: Hidden Charity and the Cure for Hard Hearts
- Lesson 3: “Sadaqah Extinguishes Sins Like Water Puts Out Fire”
Unit 3: Emotional Power of Sadaqah
- Lesson 1: Giving in Secret for Deep Reward
- Lesson 2: Small but Consistent Giving
- Lesson 3: Using Joy, Sadness, and Pain to Motivate Generosity
Unit 4: Teaching Sadaqah to Children
- Lesson 1: Making Giving a Household Norm
- Lesson 2: Encouraging Generosity With Allowance and Earnings
- Lesson 3: Building Habits That Last Generations
Unit 5: Duʿā to Be Among the Givers
- Lesson 1: “Make Me Among Those Who Give in Secret and Public”
- Lesson 2: Asking for Rizq to Give Freely
- Lesson 3: Duʿā to Never Feel Poor While Giving
📙 Module 3: Who Must Pay Zakat?
Unit 1: Zakat as an Individual Obligation
- Lesson 1: Who Is Required to Pay Zakat?
- Lesson 2: Understanding Nisab and Minimum Threshold
- Lesson 3: Timing: When Zakat Becomes Due
Unit 2: Types of Zakatable Wealth
- Lesson 1: Cash, Gold, Silver, and Business Assets
- Lesson 2: Stocks, Investments, and Income Streams
- Lesson 3: What Is Not Zakatable?
Unit 3: Zakat on Business and Freelance Work
- Lesson 1: Calculating Net Profits
- Lesson 2: Handling Irregular Income
- Lesson 3: Documenting Zakat on Business Holdings
Unit 4: Myths About Zakat
- Lesson 1: “I’m Not Rich, So I Don’t Pay Zakat”
- Lesson 2: “I Already Donate — Isn’t That Enough?”
- Lesson 3: Zakat Is a Pillar, Not a Bonus
Unit 5: Duʿā for Clarity and Strength
- Lesson 1: “Guide Me to Fulfill This Duty, Ya Allah”
- Lesson 2: Praying for Strength to Pay With Joy
- Lesson 3: Duʿā for Sincerity Over Show
📒 Module 4: How to Calculate Zakat
Unit 1: Step-by-Step Zakat Calculation
- Lesson 1: Total Wealth – Immediate Debts = Net Zakatable Wealth
- Lesson 2: Applying the Nisab Value
- Lesson 3: Paying 2.5% on Eligible Amounts
Unit 2: Zakat on Savings
- Lesson 1: When and How to Calculate
- Lesson 2: Year-End Reviews
- Lesson 3: Planning to Pay in Installments if Needed
Unit 3: Zakat on Gold, Jewelry, and Valuables
- Lesson 1: Differentiating Between Worn and Stored Gold
- Lesson 2: When Zakat Applies on Jewelry
- Lesson 3: Duʿā to Let Go of Attachment to Possessions
Unit 4: Zakat on Investments
- Lesson 1: Stocks, Retirement Accounts, and Portfolios
- Lesson 2: Simplified Calculation Approaches
- Lesson 3: Seeking Scholarly Guidance When Unsure
Unit 5: Duʿā for Wisdom in Giving
- Lesson 1: “Let This Be Counted in My Scale of Good Deeds”
- Lesson 2: Asking for Halal and Transparent Calculation
- Lesson 3: Duʿā to Always Be Honest With Allah
📕 Module 5: Who Can Receive Zakat?
Unit 1: The Eight Categories in the Qur’an
- Lesson 1: Poor and Needy
- Lesson 2: Those in Debt or Travelers in Distress
- Lesson 3: Others Listed in Surah At-Tawbah (9:60)
Unit 2: Local vs. Global Distribution
- Lesson 1: Should You Give Locally First?
- Lesson 2: Serving Your Own Family and Community
- Lesson 3: Global Emergencies and Distant Needs
Unit 3: Choosing Trustworthy Zakat Channels
- Lesson 1: Vetting Organizations
- Lesson 2: Confirming the Zakat-Eligible Use
- Lesson 3: Accountability in the Age of Online Giving
Unit 4: Giving With Dignity
- Lesson 1: Protecting the Honor of Recipients
- Lesson 2: Anonymous Giving and Quiet Kindness
- Lesson 3: Duʿā for the One Who Gives and the One Who Receives
Unit 5: Duʿā for Your Zakat to Reach the Right Hands
- Lesson 1: “Let This Wealth Find Someone in Need”
- Lesson 2: “Accept It From Me, Ya Allah”
- Lesson 3: “Make It a Mercy for Me and Them”
📗 Module 6: Advanced Zakat Topics
Unit 1: Zakat on Debts Owed to You
- Lesson 1: When to Count and When to Wait
- Lesson 2: Differentiating Strong vs. Weak Debts
- Lesson 3: Duʿā for Releasing Wealth From Others
Unit 2: Zakat on Mixed Income or Complex Wealth
- Lesson 1: Business, Rental, Royalties, Crypto, and More
- Lesson 2: When to Consult an Expert
- Lesson 3: Islam’s Emphasis on Accountability in Ambiguity
Unit 3: Paying Zakat in Kind
- Lesson 1: Food, Clothing, or Supplies as Zakat
- Lesson 2: When It’s Allowed and When It’s Not
- Lesson 3: Ensuring It Still Benefits the Recipient
Unit 4: Late Zakat and Missed Years
- Lesson 1: Catching Up With a Plan
- Lesson 2: Tawbah and Rectification
- Lesson 3: Duʿā for a Clean Slate
Unit 5: Duʿā for a Life of Purified Wealth
- Lesson 1: “Let Nothing I Owe Be Left Undone”
- Lesson 2: “Cleanse My Rizq, Ya Allah”
- Lesson 3: “Make Zakat My Path to Light”
📘 Module 7: Zakat al-Fitr and Other Forms
Unit 1: Zakat al-Fitr Basics
- Lesson 1: What, When, and How to Give
- Lesson 2: Why It Completes the Fast
- Lesson 3: Avoiding Last-Minute Giving
Unit 2: Who Pays Zakat al-Fitr
- Lesson 1: On Behalf of Children and Dependents
- Lesson 2: Minimum Amounts and Common Mistakes
- Lesson 3: Duʿā for Completing Ramadan Beautifully
Unit 3: Fidya and Kaffarah
- Lesson 1: Paying for Missed Fasts or Broken Oaths
- Lesson 2: What to Pay and Who to Give To
- Lesson 3: The Heart Behind the Obligation
Unit 4: Zakat in Special Circumstances
- Lesson 1: Refugees, Stateless Muslims, and Emergency Needs
- Lesson 2: Giving in Crises or Conflict Zones
- Lesson 3: Islamic Compassion in Application
Unit 5: Duʿā for Completion of All Obligations
- Lesson 1: “Let Me Not Leave a Pillar Neglected”
- Lesson 2: Praying for Accepted Worship
- Lesson 3: “Make This a Proof for Me, Not Against Me”
📙 Module 8: Transforming Society Through Zakat
Unit 1: The Social Power of Zakat
- Lesson 1: Zakat as Economic Justice
- Lesson 2: Creating Safety Nets With Spiritual Intent
- Lesson 3: Changing Lives, Quietly and Powerfully
Unit 2: Eradicating Poverty Through the Pillar
- Lesson 1: When the Ummah Fulfills Zakat Properly
- Lesson 2: Real Examples of Societal Change
- Lesson 3: Duʿā to Be a Source of Transformation
Unit 3: The Heart of the Giver
- Lesson 1: Giving Without Superiority
- Lesson 2: Humility in Service
- Lesson 3: Duʿā for a Hidden and Beloved Deed
Unit 4: The Rights of the Needy
- Lesson 1: “They Have a Right in Your Wealth” – (Qur’an)
- Lesson 2: Changing Language Around Charity
- Lesson 3: Honoring the Dignity of the Poor
Unit 5: Final Duʿā of the Level
- Lesson 1: “Let This Wealth Purify Me, Ya Allah”
- Lesson 2: “Accept My Zakat, My Sadaqah, and My Intention”
- Lesson 3: “Use Me to Build a World That Reflects Your Mercy”
Level 7: Investing and Wealth Growth
“Grow With Halal. Invest With Intention.”
**Level Introduction:
Wealth doesn’t have to mean excess — it can mean impact. In this level, we learn how to build long-term financial security, invest ethically, and make our money work for us without compromising Islamic values. From halal investing and entrepreneurship to passive income and legacy planning, this level is about smart growth with a spiritual anchor.
A Muslim investor asks, “Will this help me — and others — get closer to Allah?”
📗 Module 1: The Purpose of Wealth Growth in Islam
Unit 1: Why Islam Encourages Growth
- Lesson 1: Wealth as a Tool, Not a Target
- Lesson 2: From Self-Sufficiency to Community Upliftment
- Lesson 3: Multiplying Good Through Barakah
Unit 2: Intentional Investing
- Lesson 1: Grow Wealth, Grow Impact
- Lesson 2: Setting a Niyyah Before Building Assets
- Lesson 3: Duʿā for Growth With Taqwa
Unit 3: Halal Ambition in Practice
- Lesson 1: Wealth as Protection From Dependence
- Lesson 2: Investing for Hajj, Education, and Legacy
- Lesson 3: Planning for the Akhirah Through Growth
Unit 4: The Dangers of Unchecked Growth
- Lesson 1: Avoiding Greed Masquerading as “Success”
- Lesson 2: When Hustle Culture Overrides Worship
- Lesson 3: Building a Growth Plan Rooted in Ibadah
Unit 5: Duʿā for Purposeful Wealth
- Lesson 1: “Ya Allah, Make My Wealth a Means of Good”
- Lesson 2: Asking for Balance in Dunya and Akhirah
- Lesson 3: Duʿā to Never Be Owned by What You Own
📘 Module 2: Halal Investing Basics
Unit 1: What Is Halal Investing?
- Lesson 1: Avoiding Riba, Gharar, and Haram Industries
- Lesson 2: Equity-Based and Ethical Structures
- Lesson 3: What Makes an Investment Permissible
Unit 2: Stocks, Real Estate, and Mutual Funds
- Lesson 1: How to Evaluate a Halal Stock
- Lesson 2: Real Estate Rental vs. Mortgage Models
- Lesson 3: Diversifying With Ethical Funds
Unit 3: Islamic Investment Screeners and Tools
- Lesson 1: Zoya, Wahed, Amana Funds, and More
- Lesson 2: Using Scholar-Approved Criteria
- Lesson 3: Regularly Reviewing Portfolio Purity
Unit 4: Investment Risk and Responsibility
- Lesson 1: Trust in Allah Doesn’t Cancel Risk Management
- Lesson 2: Don’t Invest What You Can’t Afford to Lose
- Lesson 3: Making Istikhara for Major Financial Moves
Unit 5: Duʿā for Halal Growth
- Lesson 1: “Let My Wealth Be Grown Without Sin”
- Lesson 2: “Place Barakah in the Paths I Pursue”
- Lesson 3: “Let Me Grow With Clarity, Integrity, and Sabr”
📙 Module 3: Real Estate and Property Investment
Unit 1: Real Estate as a Halal Asset
- Lesson 1: Rental Properties and Income Streams
- Lesson 2: Commercial vs. Residential Ethics
- Lesson 3: Real Estate as Long-Term Barakah
Unit 2: Buying Without Riba
- Lesson 1: Islamic Mortgage Alternatives
- Lesson 2: Co-Ownership and Halal Financing Options
- Lesson 3: When Renting May Be the Safer Option
Unit 3: Land and Development Projects
- Lesson 1: Purchasing Land With Purpose
- Lesson 2: Intentional Projects: Schools, Clinics, Housing
- Lesson 3: Duʿā to Build What Benefits the Ummah
Unit 4: Zakat and Property Ownership
- Lesson 1: When Is Zakat Due on Property?
- Lesson 2: Rental Income vs. Primary Residence
- Lesson 3: Navigating Wealth With Humility
Unit 5: Duʿā for Barakah in Property
- Lesson 1: “Let This Home Serve More Than Me”
- Lesson 2: Praying for Halal Shelter and Growth
- Lesson 3: “Keep My Heart in Sujood, Not in Square Footage”
📒 Module 4: Passive Income and Entrepreneurship
Unit 1: What Is Passive Income?
- Lesson 1: Building Wealth Without Overworking
- Lesson 2: Common Halal Passive Income Ideas
- Lesson 3: Time vs. Money Trade-Offs
Unit 2: Islamic Ethics in Automation
- Lesson 1: Business That Doesn’t Exploit
- Lesson 2: Avoiding Deceptive Marketing or Products
- Lesson 3: Serving Customers With Ihsan
Unit 3: Digital Products and Online Business
- Lesson 1: Selling Knowledge With Integrity
- Lesson 2: Islamic Guidelines for Courses and Content
- Lesson 3: Staying Sincere in the Age of “Personal Brands”
Unit 4: Entrepreneurial Mindset in Islam
- Lesson 1: The Prophet ﷺ as a Trader
- Lesson 2: Growth Without Ego
- Lesson 3: Duʿā for Honest Business With Long-Term Impact
Unit 5: Duʿā for Sustainable Income
- Lesson 1: “Let My Work Continue Even When I Sleep”
- Lesson 2: Praying for Impact, Not Just Impressions
- Lesson 3: “Use My Business to Heal, Not Harm”
📕 Module 5: Retirement Planning the Islamic Way
Unit 1: What Does Retirement Look Like in Islam?
- Lesson 1: Planning to Serve Even After Career Ends
- Lesson 2: Retirement as Renewal, Not Rest Only
- Lesson 3: Spiritual Preparation Alongside Financial
Unit 2: Saving for Retirement Without Riba
- Lesson 1: Halal Retirement Accounts
- Lesson 2: Purifying Returns From Conventional Options
- Lesson 3: Asking a Scholar for Your Region’s Options
Unit 3: Downsizing, Simplifying, and Preparing
- Lesson 1: Simplifying Lifestyle and Needs
- Lesson 2: Building Community in Later Years
- Lesson 3: Avoiding Isolation Through Intentional Giving
Unit 4: Avoiding Retirement Without a Plan
- Lesson 1: Financial Freedom Without a Spiritual Void
- Lesson 2: Continuing to Mentor, Teach, or Serve
- Lesson 3: Duʿā for Barakah in Post-Work Years
Unit 5: Duʿā for a Peaceful and Purposeful Retirement
- Lesson 1: “Let Me Leave the Workforce, Not the Mission”
- Lesson 2: Praying for Stability in Old Age
- Lesson 3: Duʿā to Be a Resource, Not a Burden
📗 Module 6: Giving While You Grow
Unit 1: Sadaqah During the Growth Phase
- Lesson 1: Don’t Wait to “Have Enough” to Give
- Lesson 2: Giving From the First Sale or Income
- Lesson 3: Building Barakah Into Every Business Plan
Unit 2: Supporting the Ummah With Wealth
- Lesson 1: Sponsoring Students, Schools, and Startups
- Lesson 2: Investing in Local Muslim Economy
- Lesson 3: Collective Giving That Changes Lives
Unit 3: Sharing Knowledge and Experience
- Lesson 1: Teaching What You Learn Financially
- Lesson 2: Guiding Others Without Arrogance
- Lesson 3: Sincerity in Mentorship
Unit 4: Financial Empowerment as Daʿwah
- Lesson 1: Helping Others Break Cycles of Struggle
- Lesson 2: Financially Modeling a God-Conscious Life
- Lesson 3: Duʿā to Be a Door of Rizq for Others
Unit 5: Duʿā to Give While You Grow
- Lesson 1: “Ya Allah, Let Me Grow Without Greed”
- Lesson 2: “Make Me a Source of Relief for Others”
- Lesson 3: “Let My Wealth Circulate in the Path of Light”
📘 Module 7: Legacy and End-of-Life Planning
Unit 1: Writing a Will the Islamic Way
- Lesson 1: Fard and Sunnah Components of a Will
- Lesson 2: Clearly Outlining Debts and Bequests
- Lesson 3: Preparing It Early, Updating Often
Unit 2: Leaving Behind More Than Money
- Lesson 1: Values, Stories, and Duʿā
- Lesson 2: Recording Duʿās and Advice for Children
- Lesson 3: Planning for What Lives Beyond You
Unit 3: Waqf and Long-Term Charity Projects
- Lesson 1: Endowments in the Time of the Prophet ﷺ
- Lesson 2: Starting or Contributing to Ongoing Khayr
- Lesson 3: Aligning Your Investments With Waqf
Unit 4: Preparing Emotionally to Let Go
- Lesson 1: Trusting That You’ve Done Enough
- Lesson 2: Accepting That Everything Returns to Allah
- Lesson 3: Duʿā for a Peaceful Passing and Eternal Barakah
Unit 5: Duʿā for a Legacy of Light
- Lesson 1: “Let Me Leave More Than I Take”
- Lesson 2: “Ya Allah, Accept Everything I’ve Built”
- Lesson 3: “Make My Wealth a Witness for Me, Not Against Me”
📙 Module 8: Wealth, Growth, and Akhirah
Unit 1: What Will Your Wealth Say on the Day of Judgment?
- Lesson 1: “Where Did You Earn It and Where Did You Spend It?”
- Lesson 2: Avoiding Regret Through Daily Intentions
- Lesson 3: Reviewing Wealth Through the Lens of Akhirah
Unit 2: The Sunnah of Growing With Sincerity
- Lesson 1: “Fear the Fire Even With Half a Date”
- Lesson 2: Giving With Joy, Not Guilt
- Lesson 3: Private Giving for Public Impact
Unit 3: Keeping the Soul Above the Salary
- Lesson 1: Anchoring Identity in Deen, Not Net Worth
- Lesson 2: Escaping the Pressure of Success Culture
- Lesson 3: Remembering That Rizq Is Always from Allah
Unit 4: Continuous Growth in Jannah
- Lesson 1: Giving That Keeps Paying You in the Grave
- Lesson 2: Building for a Garden You Haven’t Seen Yet
- Lesson 3: Duʿā for Eternal Upgrades in the Next Life
Unit 5: Final Duʿā of the Level
- Lesson 1: “Let Me Grow in This Life and the Next”
- Lesson 2: “Protect My Wealth From Pride, Harm, and Regret”
- Lesson 3: “Make My Earnings a Bridge to You, Ya Allah”
Level 8: Islamic Contracts and Transactions
“Trade With Truth. Deal With Dignity.”
Level Introduction:
Islamic financial dealings are not just about profit — they’re about upholding honesty, fairness, and mutual benefit. Whether you’re buying a house, starting a business, loaning money, or partnering with someone, contracts in Islam are taken seriously — they’re a trust before Allah.
In this level, we explore how to create, honor, and navigate contracts the Islamic way — in personal finance, business, loans, sales, and partnerships. We’ll also learn about key prohibitions like riba (interest) and gharar (excessive uncertainty), and how to protect ourselves and others from injustice in financial relationships.
📗 Module 1: The Spirit of Islamic Financial Ethics
Unit 1: Justice and Honesty in Transactions
- Lesson 1: “Give Full Measure and Weight With Justice” (Qur’an)
- Lesson 2: Trust as the Foundation of Islamic Finance
- Lesson 3: The Prophet ﷺ as the Most Honest Trader
Unit 2: Earning Without Harm
- Lesson 1: Wealth Must Not Be Built on Oppression
- Lesson 2: Prohibited Contracts: Cheating, Scamming, Manipulation
- Lesson 3: Avoiding Exploitation in Any Form
Unit 3: Fulfilling Contracts
- Lesson 1: The Qur’anic Obligation to Honor Agreements
- Lesson 2: Breaking Contracts as a Sign of Hypocrisy
- Lesson 3: Trustworthiness as a Sign of Iman
Unit 4: Transparency and Disclosure
- Lesson 1: Don’t Hide Defects or Details
- Lesson 2: Full Honesty in Business Deals
- Lesson 3: The Reward for Being Fair in Trade
Unit 5: Duʿā for Truthful Earnings
- Lesson 1: “Let My Words Reflect My Integrity”
- Lesson 2: Asking for Protection From Shady Deals
- Lesson 3: Duʿā to Be Trusted and Trustworthy
📘 Module 2: Riba and Haram Contracts
Unit 1: What Is Riba (Interest)?
- Lesson 1: The Qur’an’s Strongest Warning
- Lesson 2: Types of Riba: Loans vs. Business Dealings
- Lesson 3: Difference Between Profit and Usury
Unit 2: Why Riba Is Spiritually Harmful
- Lesson 1: Riba as War Against Allah and His Messenger
- Lesson 2: Riba Undermines Mercy and Community
- Lesson 3: The Social Impact of Interest-Based Systems
Unit 3: Gharar and Maysir
- Lesson 1: What Is Gharar (Excessive Uncertainty)?
- Lesson 2: Prohibition of Gambling and Speculation
- Lesson 3: Examples in Modern Insurance and Investing
Unit 4: Spotting Red Flags in Contracts
- Lesson 1: Loopholes That Lead to Injustice
- Lesson 2: Contracts That Benefit Only One Side
- Lesson 3: Consulting Scholars When in Doubt
Unit 5: Duʿā for Halal and Just Contracts
- Lesson 1: “Ya Allah, Keep Me Away From Riba”
- Lesson 2: “Guide Me Toward Fair Agreements”
- Lesson 3: Duʿā for Clarity and Courage to Walk Away
📙 Module 3: Personal Finance Agreements
Unit 1: Borrowing and Lending Among Friends and Family
- Lesson 1: Why Even Informal Loans Should Be Documented
- Lesson 2: Avoiding Misunderstandings and Broken Trust
- Lesson 3: The Qur’an’s Command: “Write It Down”
Unit 2: Loan Agreements in Islam
- Lesson 1: Structuring Loans With Fairness
- Lesson 2: What to Include in a Basic Agreement
- Lesson 3: Witnesses, Dates, and Signatures
Unit 3: Paying Back With Excellence
- Lesson 1: The Prophet ﷺ Paid Early and With Gratitude
- Lesson 2: Communication in Case of Delay
- Lesson 3: Duʿā for Debt Repayment With Dignity
Unit 4: Gifts vs. Loans
- Lesson 1: Clarifying Intention From the Start
- Lesson 2: Avoiding “Emotional Debt”
- Lesson 3: When to Forgive Debt and Move On
Unit 5: Duʿā for Integrity in Borrowing and Lending
- Lesson 1: “Let Me Never Harm Through a Loan”
- Lesson 2: “Let Me Return What I Take, With Excellence”
- Lesson 3: “Protect Me From Making False Promises”
📒 Module 4: Sales, Returns & Business Contracts
Unit 1: Ethics of Buying and Selling
- Lesson 1: Full Disclosure of Defects or Issues
- Lesson 2: No Deception in Price or Product
- Lesson 3: “Allah Is With the Honest Buyer and Seller”
Unit 2: Sales Contracts and Invoices
- Lesson 1: Key Clauses Every Muslim Business Should Include
- Lesson 2: Documenting Verbal Agreements in Writing
- Lesson 3: Return, Refund, and Guarantee Policies
Unit 3: Online Business and Islamic Guidelines
- Lesson 1: Digital Sales With Clear Terms
- Lesson 2: No Manipulation Through Scarcity Tactics
- Lesson 3: Serving, Not Just Selling
Unit 4: Avoiding Gharar in Sales
- Lesson 1: Clarity in Product, Payment, and Delivery
- Lesson 2: No Selling What You Don’t Own
- Lesson 3: Transparency Builds Trust and Barakah
Unit 5: Duʿā for Halal Sales and Trade
- Lesson 1: “Let Me Sell With Truth, Not Tricks”
- Lesson 2: Praying for Barakah in Every Transaction
- Lesson 3: “Keep My Business a Path to You, Ya Allah”
📕 Module 5: Business Partnerships and Joint Ventures
Unit 1: Types of Partnerships in Islam
- Lesson 1: Mudarabah (Profit-Sharing) and Musharakah (Joint Ownership)
- Lesson 2: How They Differ From Secular Models
- Lesson 3: Rooted in Mutual Trust and Defined Roles
Unit 2: Structuring a Halal Business Agreement
- Lesson 1: Outlining Responsibilities, Capital, and Profit Split
- Lesson 2: Planning for Conflict and Exit Scenarios
- Lesson 3: Importance of a Written Contract
Unit 3: When Partnerships Go Wrong
- Lesson 1: Signs of Injustice or Imbalance
- Lesson 2: Steps for Mediation and Resolution
- Lesson 3: Walking Away Without Burning Bridges
Unit 4: Trust and Duʿā in Partnerships
- Lesson 1: Making Istikhara Before Entering Agreements
- Lesson 2: Regular Check-Ins With Partners
- Lesson 3: Duʿā for Harmony, Justice, and Barakah
Unit 5: Duʿā for Successful Partnerships
- Lesson 1: “Let Us Serve One Another With Sincerity”
- Lesson 2: Praying for Success Without Ego
- Lesson 3: “Let This Venture Heal, Not Harm”
📗 Module 6: Marriage, Dowry, and Family Agreements
Unit 1: Marriage as a Financial Contract
- Lesson 1: Nikah Is a Binding Contract Before Allah
- Lesson 2: Dowry (Mahr) as a Right, Not a Gift
- Lesson 3: Consent, Clarity, and Care in the Agreement
Unit 2: Defining Rights and Responsibilities
- Lesson 1: Discussing Finances Before Marriage
- Lesson 2: Budgeting Together After Nikah
- Lesson 3: Setting Shared Intentions and Goals
Unit 3: Divorce and Financial Rights
- Lesson 1: Fairness in Mahr, Maintenance, and Separation
- Lesson 2: Avoiding Oppression in Settlement
- Lesson 3: Duʿā for Parting With Peace, If It Comes
Unit 4: Family Business and Inheritance Issues
- Lesson 1: Managing Assets Together
- Lesson 2: Discussing Inheritance Before It’s Too Late
- Lesson 3: Seeking Fairness Without Drama
Unit 5: Duʿā for Trust and Harmony in Family Contracts
- Lesson 1: “Let Our Agreements Reflect Mercy”
- Lesson 2: Praying for Shared Rizq and Respect
- Lesson 3: “Keep Wealth From Breaking Us Apart”
📘 Module 7: Written Wills and Inheritance
Unit 1: Writing a Will (Wasiyyah)
- Lesson 1: A Fard Duty for Every Muslim Adult
- Lesson 2: What Must Be Included Islamically
- Lesson 3: Keeping It Clear, Updated, and Witnessed
Unit 2: Shariah Rules of Inheritance
- Lesson 1: Qur’anic Guidelines for Heirs
- Lesson 2: Who Gets What — and Why
- Lesson 3: Preventing Conflict Through Preplanning
Unit 3: Gifts Before Death
- Lesson 1: Planning Sadaqah and Waqf
- Lesson 2: When and How to Give Before Passing
- Lesson 3: Not Undermining the Rights of Heirs
Unit 4: Avoiding Disputes After Death
- Lesson 1: Preparing Your Family With Love
- Lesson 2: Assigning a Trusted Executor
- Lesson 3: Duʿā for a Peaceful Transition
Unit 5: Duʿā for a Just and Blessed Legacy
- Lesson 1: “Let Me Leave This World Without Injustice”
- Lesson 2: “Protect My Family From Division”
- Lesson 3: “Let My Contracts Be Witnesses in My Favor”
📙 Module 8: Contracts as a Sign of Accountability to Allah
Unit 1: Business Is Part of Your Deen
- Lesson 1: There Is No Separation Between Worship and Trade
- Lesson 2: Honesty in Finance Is a Spiritual Act
- Lesson 3: The Prophet ﷺ Made the Marketplace Sacred
Unit 2: How You Earn Will Be Questioned
- Lesson 1: “Where Did You Get It, and Where Did You Spend It?”
- Lesson 2: Preparing for That Answer Now
- Lesson 3: Building a Life Without Regret
Unit 3: Culture vs. Islam in Transactions
- Lesson 1: Calling Out Harmful Cultural Norms
- Lesson 2: Breaking Cycles of Injustice and Silence
- Lesson 3: Reforming Our Communities Through Contracts
Unit 4: Building a Future With Integrity
- Lesson 1: Making Barakah More Important Than Profit
- Lesson 2: Teaching Youth Financial Islam Early
- Lesson 3: Duʿā to Live, Build, and Trade With Taqwa
Unit 5: Final Duʿā of the Level
- Lesson 1: “Let My Rizq Come Pure and My Deals Be Just”
- Lesson 2: “Let Me Stand Before You With Nothing Hidden”
- Lesson 3: “Let My Financial Record Be a Source of Light”
Level 9: Financial Tests and Tawakkul
“In Tightness and Ease, Allah is Enough”
Level Introduction:
Wealth in Islam is not just about gain — it’s also about how we respond to loss, hardship, uncertainty, and delay. This level addresses the emotional and spiritual experience of financial hardship and teaches how to build tawakkul (reliance on Allah) when things don’t go according to plan.
Whether facing job loss, debt, poverty, unexpected expenses, or financial fear, we’ll learn how to endure, recover, and grow — with sabr, shukr, and sincere duʿā as our constant companions.
📗 Module 1: The Reality of Financial Tests
Unit 1: Wealth as a Test, Not Just a Blessing
- Lesson 1: The Qur’an: “We test you with loss of wealth…”
- Lesson 2: The Test of Abundance vs. the Test of Poverty
- Lesson 3: Recognizing When It’s a Trial, Not a Punishment
Unit 2: Prophetic Examples of Financial Hardship
- Lesson 1: The Prophet ﷺ and His Family’s Struggles
- Lesson 2: Sahabah Who Lost and Rebuilt
- Lesson 3: Dignity in Simplicity
Unit 3: Hardship Is Not a Sign of Allah’s Displeasure
- Lesson 1: The Danger of Assuming Guilt From Poverty
- Lesson 2: How Allah Raises People Through Tests
- Lesson 3: Duʿā to See the Wisdom in the Trial
Unit 4: Patience With Provision
- Lesson 1: Accepting the Pace of Rizq
- Lesson 2: Not Comparing Your Journey to Others
- Lesson 3: Duʿā for Sabr When Provision Feels Slow
Unit 5: Duʿā for Strength in Tests
- Lesson 1: “Ya Allah, Don’t Burden Me Beyond My Capacity”
- Lesson 2: “Let Me Rise in Faith Through Hardship”
- Lesson 3: “You Are the Best of Providers”
📘 Module 2: Building Tawakkul During Uncertainty
Unit 1: What Is Tawakkul?
- Lesson 1: Trust in Allah After Doing Your Part
- Lesson 2: Tawakkul vs. Tawaakul (False Reliance)
- Lesson 3: Duʿā for Sincere Reliance
Unit 2: Facing the Unknown With Faith
- Lesson 1: When the Job, Deal, or Help Falls Through
- Lesson 2: Trusting That Allah’s Plan Is Better
- Lesson 3: Letting Go of Control, Not Effort
Unit 3: Financial Anxiety and Its Cure
- Lesson 1: Managing Fear of Scarcity
- Lesson 2: Creating Duʿā Routines for Anxiety Relief
- Lesson 3: Replacing “What If” With “Even If, Allah Is With Me”
Unit 4: Tawakkul as a Lifestyle
- Lesson 1: Making Decisions Without Panic
- Lesson 2: Combining Planning With Trust
- Lesson 3: Practicing Daily Gratitude as a Foundation
Unit 5: Duʿā for Deep Tawakkul
- Lesson 1: “You Are Enough for Me”
- Lesson 2: “Place Me Where There Is Khayr”
- Lesson 3: “Grant Me Peace in What I Can’t Control”
📙 Module 3: Job Loss, Setbacks, and Recovery
Unit 1: When You Lose Your Source of Income
- Lesson 1: First Steps in Crisis: Duʿā and Stabilization
- Lesson 2: Separating Identity From Employment
- Lesson 3: Practical Steps for Next Moves
Unit 2: Grieving the Loss of Stability
- Lesson 1: Allowing Yourself to Feel the Pain
- Lesson 2: Moving From Guilt to Gratitude
- Lesson 3: Rebuilding Self-Worth Through Worship
Unit 3: Looking for New Rizq With Hope
- Lesson 1: Reframing Setbacks as Redirects
- Lesson 2: Making Tawbah and Tawakkul Part of the Job Hunt
- Lesson 3: Duʿā for Doors to Open in New Ways
Unit 4: Financial Help Without Shame
- Lesson 1: Seeking Support With Dignity
- Lesson 2: Knowing That Asking Isn’t Failure
- Lesson 3: Accepting Help While Planning to Rise
Unit 5: Duʿā for Resilience After Setbacks
- Lesson 1: “Ya Allah, Rebuild Me Stronger Than Before”
- Lesson 2: “Let This Pain Become My Power”
- Lesson 3: “Return Me to a Place of Stability and Sabr”
📒 Module 4: Dealing With Delays in Rizq
Unit 1: Rizq Comes on Allah’s Time
- Lesson 1: Delays Are Not Denials
- Lesson 2: Sometimes the Test Is in the Waiting
- Lesson 3: Duʿā for Trust in the Process
Unit 2: Delays That Protect You
- Lesson 1: Stories of Delay That Became a Blessing
- Lesson 2: When You’re Not Ready Yet — And That’s Mercy
- Lesson 3: Finding Growth in the Waiting
Unit 3: Emotional Impact of Delay
- Lesson 1: Anxiety, Doubt, and Restlessness
- Lesson 2: Journaling and Reflection as Healing Tools
- Lesson 3: Sunnah Acts to Ground the Heart
Unit 4: Shukr Even Before You Receive
- Lesson 1: Thanking Allah for the Process, Not Just the Prize
- Lesson 2: “Alhamdulillah” Before the Outcome
- Lesson 3: Barakah Comes With Contentment
Unit 5: Duʿā in the Season of Waiting
- Lesson 1: “Ya Allah, Make the Wait a Means of Nearness”
- Lesson 2: “Don’t Let Me Lose Faith While I Wait”
- Lesson 3: “Grant Me What Is Best — When It Is Best”
📕 Module 5: Poverty, Scarcity, and Social Stigma
Unit 1: The Dignity of the Poor in Islam
- Lesson 1: The Prophet ﷺ and Ahl al-Suffah
- Lesson 2: “Many of the people of Jannah will be the poor”
- Lesson 3: Never Equating Poverty With Failure
Unit 2: When Society Judges You for Struggling
- Lesson 1: Resisting the Shame Narrative
- Lesson 2: Redefining Success Through the Qur’an
- Lesson 3: Building Self-Worth Rooted in Iman
Unit 3: Hidden Generosity and Power of the Poor
- Lesson 1: Giving While Having Little
- Lesson 2: Spiritual Richness in Material Lack
- Lesson 3: Allah Sees the Effort, Not the Numbers
Unit 4: Building Support Without Feeling Less Than
- Lesson 1: Healthy Community Giving and Receiving
- Lesson 2: Protecting the Honor of the One in Need
- Lesson 3: Duʿā to Be Uplifted and Empowered
Unit 5: Duʿā to Rise With Grace
- Lesson 1: “Grant Me Rizq That Elevates Me”
- Lesson 2: “Replace My Hardship With Barakah”
- Lesson 3: “Let Me Never Feel Small in Your Sight, Ya Allah”
📗 Module 6: Wealth Tests: When You Have More Than Enough
Unit 1: Wealth Is a Test, Too
- Lesson 1: The Danger of Arrogance and Forgetfulness
- Lesson 2: Gratitude That Shows in Action
- Lesson 3: Duʿā to Handle Abundance With Humility
Unit 2: Avoiding the Illusion of Control
- Lesson 1: Remembering That Provision Is From Allah
- Lesson 2: Even Wealthy Sahabah Lived Simply
- Lesson 3: “Don’t Let My Money Distract Me From You”
Unit 3: Giving Before You’re Asked
- Lesson 1: Hidden Sadaqah as Protection
- Lesson 2: Building Giving Into Every Stage of Life
- Lesson 3: Duʿā to Be a Channel of Mercy
Unit 4: Preparing for Ups and Downs
- Lesson 1: Saving and Spending With Awareness
- Lesson 2: Wealth Should Never Define You
- Lesson 3: Staying Grateful, Staying Grounded
Unit 5: Duʿā for Barakah in Wealth
- Lesson 1: “Let Me Be Rich Without Pride”
- Lesson 2: “Make Me Generous, Not Just Wealthy”
- Lesson 3: “Let My Rizq Be a Tool, Not a Trial”
📘 Module 7: When Financial Struggles Affect Mental Health
Unit 1: Financial Trauma Is Real
- Lesson 1: Recognizing the Long-Term Impact
- Lesson 2: Breaking Cycles of Fear and Scarcity
- Lesson 3: Healing With the Qur’an and Counseling
Unit 2: Emotional Resilience in Hardship
- Lesson 1: Naming Your Feelings Without Shame
- Lesson 2: Daily Habits to Regulate Your Nervous System
- Lesson 3: Duʿā for Inner Calm and Strength
Unit 3: Holding on to Hope in Despair
- Lesson 1: The Darkness Before the Dawn
- Lesson 2: When You Feel Forgotten
- Lesson 3: Duʿā of Yunus (as): “La ilaha illa anta…”
Unit 4: Getting Professional Help With Tawakkul
- Lesson 1: Therapy Is Not a Lack of Faith
- Lesson 2: Finding Culturally and Spiritually Safe Support
- Lesson 3: Balancing Duʿā With Action
Unit 5: Duʿā for Emotional Healing Through Financial Trials
- Lesson 1: “Ya Allah, Heal the Pain I Don’t Speak Out Loud”
- Lesson 2: “Let Me See Light Even in This Struggle”
- Lesson 3: “Don’t Let This Break Me — Let It Build Me”
📙 Module 8: Gratitude and Growth After Hardship
Unit 1: Post-Test Reflection
- Lesson 1: What Did You Learn About Allah?
- Lesson 2: What Did You Learn About Yourself?
- Lesson 3: Duʿā to Never Waste the Test
Unit 2: Returning to Ease With Shukr
- Lesson 1: Celebrating Without Excess
- Lesson 2: Letting Growth, Not Resentment, Remain
- Lesson 3: Serving Others From What You’ve Learned
Unit 3: Sharing Your Story to Uplift Others
- Lesson 1: Turning Your Test Into a Bridge
- Lesson 2: When to Speak, and When to Stay Quiet
- Lesson 3: Duʿā to Impact Without Ego
Unit 4: Continuous Tawakkul
- Lesson 1: Never Again Putting Full Trust in Dunya
- Lesson 2: Practicing Detachment With Dignity
- Lesson 3: Living Light, Giving Freely
Unit 5: Final Duʿā of the Level
- Lesson 1: “Let Me Remember You in Every Condition”
- Lesson 2: “Make Me Stronger Than My Struggles”
- Lesson 3: “Write Me Among Those Who Trusted You Fully”
Level 10: Leaving a Legacy of Wealth & Wellness
“Build What Outlives You”
Level Introduction:
Wealth is temporary. Legacy is eternal. In this final level, we explore how to consciously design a legacy rooted in both financial stewardship and spiritual wellness. Whether through children, sadaqah jariyah, mentorship, or simple daily decisions, the believer asks:
“What will live on after me?”
This level brings everything together — your spending, saving, giving, and trusting — and turns it toward what matters most: your akhirah. It’s about planting seeds today that will shade generations tomorrow, inshaAllah.
📗 Module 1: What Is a Legacy in Islam?
Unit 1: Legacy vs. Wealth
- Lesson 1: Legacy Is What You Leave in People, Not Just to People
- Lesson 2: The Prophet’s ﷺ Legacy Wasn’t Gold — It Was Guidance
- Lesson 3: Duʿā to Focus on Eternal Impact
Unit 2: Living With Legacy in Mind
- Lesson 1: Daily Habits That Shape What You Leave Behind
- Lesson 2: Raising Children With Vision
- Lesson 3: Letting Your Money Reflect Your Mission
Unit 3: Legacy Beyond the Family
- Lesson 1: Serving Strangers for the Sake of Allah
- Lesson 2: Building Programs, Projects, or Waqf
- Lesson 3: Knowing That Even Quiet Good Deeds Echo
Unit 4: Intentional End-of-Life Planning
- Lesson 1: Updating Wills, Documents, and Debts
- Lesson 2: Giving Final Advice to Family and Community
- Lesson 3: Ending Life With Clarity, Not Chaos
Unit 5: Duʿā for a Righteous Legacy
- Lesson 1: “Let What I Leave Be Light, Not Burden”
- Lesson 2: “Make Me Among Those Who Are Remembered in Duʿā”
- Lesson 3: “Ya Allah, Accept It All, Even the Small Things”
📘 Module 2: Raising Children With Financial and Spiritual Wisdom
Unit 1: Teaching Values, Not Just Math
- Lesson 1: Raising Children to View Wealth as a Trust
- Lesson 2: Shaping Habits of Gratitude and Generosity Early
- Lesson 3: Duʿā for Wisdom in Parenthood and Guidance
Unit 2: Modeling What You Want to Pass Down
- Lesson 1: Kids Learn How You Spend, Not Just What You Say
- Lesson 2: Showing Them Halal Hustle, Simplicity, and Shukr
- Lesson 3: Using Family Projects as Teaching Opportunities
Unit 3: Involving Them in Giving
- Lesson 1: Teaching Sadaqah and Zakat Through Action
- Lesson 2: Letting Them Choose Causes to Support
- Lesson 3: Celebrating Generosity as a Family
Unit 4: Building a Legacy Through Them, Not For Them
- Lesson 1: Empowering Them With Skills, Not Just Money
- Lesson 2: Preparing Them to Be Givers, Not Just Receivers
- Lesson 3: Duʿā for Their Rizq, Resilience, and Righteousness
Unit 5: Duʿā for Barakah in Future Generations
- Lesson 1: “Make My Offspring a Source of Continuous Good”
- Lesson 2: “Let My Children Exceed Me in Righteousness”
- Lesson 3: “Ya Allah, Let Me Leave Behind Light”
📙 Module 3: Waqf and Sadaqah Jariyah
Unit 1: What Is a Waqf?
- Lesson 1: Endowments in the Time of the Prophet ﷺ
- Lesson 2: Property, Land, Scholarships, and Community Resources
- Lesson 3: When the Wealth You Leave Keeps Giving
Unit 2: Building Your Own Sadaqah Jariyah Plan
- Lesson 1: A Personal Plan for Ongoing Charity
- Lesson 2: Collaborating With Masjids and Organizations
- Lesson 3: Starting Small With Big Intentions
Unit 3: Choosing Projects That Align With Your Values
- Lesson 1: Causes That Reflect Who You Are
- Lesson 2: Local Impact or Global Reach
- Lesson 3: Prioritizing Quality Over Recognition
Unit 4: Funding and Managing Waqf
- Lesson 1: Appointing Trustees and Keeping It Alive
- Lesson 2: Legal Documentation and Islamic Frameworks
- Lesson 3: Duʿā for Protection From Mismanagement
Unit 5: Duʿā to Leave a River of Good
- Lesson 1: “Let the Good Never Stop Flowing”
- Lesson 2: “Make Me a Reason Someone Else Succeeds”
- Lesson 3: “Let My Charity Be Hidden, Pure, and Eternal”
📒 Module 4: Financial Will, Inheritance, and Distribution
Unit 1: Understanding the Islamic Will
- Lesson 1: What Must Be Included
- Lesson 2: How to Distribute Fairly and Islamically
- Lesson 3: What You Can and Can’t Choose
Unit 2: Clarifying Everything Before You Go
- Lesson 1: Tying Up Debts, Loans, and Loose Ends
- Lesson 2: Leaving Instructions for Zakat and Fidya
- Lesson 3: Recording All in a Way Your Family Understands
Unit 3: Preventing Family Conflict
- Lesson 1: Transparency With Kindness
- Lesson 2: Explaining Your Intentions While Alive
- Lesson 3: Duʿā to Leave Unity, Not Division
Unit 4: Honoring the Rights of Heirs
- Lesson 1: Avoiding Unfair Favors or Cultural Bias
- Lesson 2: When You Want to Leave to Charity
- Lesson 3: Duʿā for Just and Wise Distribution
Unit 5: Duʿā for an Honorable Ending
- Lesson 1: “Let Me Meet You With My Affairs in Order”
- Lesson 2: “Let Me Leave Peace Behind Me”
- Lesson 3: “Make My Last Deed My Best”
📕 Module 5: Wellness Beyond Wealth
Unit 1: Physical Health as a Legacy
- Lesson 1: Teaching Habits That Sustain the Body
- Lesson 2: Avoiding Generational Health Harm
- Lesson 3: Encouraging Sunnah Practices in Health
Unit 2: Emotional and Mental Health in the Family
- Lesson 1: Breaking the Silence Around Pain
- Lesson 2: Leaving a Legacy of Emotional Safety
- Lesson 3: Modeling Tawakkul and Vulnerability Together
Unit 3: Teaching Resilience and Self-Awareness
- Lesson 1: Coping Tools That Outlive You
- Lesson 2: Talking About Money, Boundaries, and Barakah
- Lesson 3: Leaving Wisdom Through Words and Duʿā
Unit 4: A Legacy of Balance
- Lesson 1: “You Don’t Need to Be Rich to Be Whole”
- Lesson 2: Showing That Akhirah Is the Priority
- Lesson 3: Giving Them Your Best Self — Not Just Your Best Things
Unit 5: Duʿā for Holistic Legacy
- Lesson 1: “Let Me Pass Down Wellness in Every Form”
- Lesson 2: “Heal My Lineage With Knowledge and Compassion”
- Lesson 3: “Make My Home a House of Light”
📗 Module 6: Teaching While You’re Alive
Unit 1: Don’t Wait to Pass Down What You Know
- Lesson 1: Knowledge Is the Greatest Inheritance
- Lesson 2: Storytelling as Legacy
- Lesson 3: Creating Your Own Curriculum of Life
Unit 2: Living as a Role Model
- Lesson 1: Quiet Actions That Speak Loudly
- Lesson 2: What You Normalize, They Adopt
- Lesson 3: Duʿā to Be a Mirror of Goodness
Unit 3: Documenting What Matters
- Lesson 1: Leaving Behind Letters, Duʿās, and Advice
- Lesson 2: Digital and Physical Legacy Projects
- Lesson 3: Planning to Teach After You’re Gone
Unit 4: Everyday Legacy
- Lesson 1: Kindness to Strangers
- Lesson 2: Apologies You Finally Make
- Lesson 3: Choosing to Be Light, Even in Silence
Unit 5: Duʿā to Teach With Truth
- Lesson 1: “Let What I Say Enter Their Hearts”
- Lesson 2: “Protect Me From Pride in My Teaching”
- Lesson 3: “Make My Lessons a Seed of Goodness That Grows”
📘 Module 7: Writing Your Legacy Statement
Unit 1: What Do You Want to Be Remembered For?
- Lesson 1: Clarifying Your Intention in Life
- Lesson 2: Reflecting on Your Values and Vision
- Lesson 3: Writing a Legacy Statement
Unit 2: Realigning Your Financial Goals With Your Legacy
- Lesson 1: Are Your Habits Supporting Your Vision?
- Lesson 2: Letting Go of What Doesn’t Fit Your Mission
- Lesson 3: Updating Budgets, Goals, and Projects
Unit 3: Making Duʿā Part of Your Legacy
- Lesson 1: Creating a List of Personal Duʿās
- Lesson 2: Teaching Your Family to Remember You in Duʿā
- Lesson 3: Making Duʿā a Daily Legacy Builder
Unit 4: Honoring Those Who Came Before You
- Lesson 1: Continuing Their Sadaqah and Work
- Lesson 2: Making Duʿā for Them Constantly
- Lesson 3: Connecting Their Legacy to Yours
Unit 5: Duʿā for a Written Legacy in the Heavens
- Lesson 1: “Let the Angels Record Me Among the Righteous”
- Lesson 2: “Make the Earth Witness to My Kindness”
- Lesson 3: “Let My Legacy Be My Intercessor”
📙 Module 8: Living to Be Remembered by Allah
Unit 1: The Legacy That Truly Matters
- Lesson 1: Being Known to Allah, Not the People
- Lesson 2: Leaving Deeds That Only He Knows
- Lesson 3: “Live for the One Who’ll Never Forget You”
Unit 2: When You’re Forgotten in Dunya
- Lesson 1: The Stories That Only Allah Preserves
- Lesson 2: Being Content With Hidden Goodness
- Lesson 3: The Reward of the Quiet Servant
Unit 3: Meeting Allah With a Full Record
- Lesson 1: The Day When Nothing Is Hidden
- Lesson 2: Building a Book You’re Not Ashamed Of
- Lesson 3: Letting This Life Be a Gift to the Next
Unit 4: Legacy as Your Final Sadaqah
- Lesson 1: The Three Things That Follow You
- Lesson 2: Building Something That Prays for You
- Lesson 3: “Let the World Remember My Lord Through Me”
Unit 5: Final Duʿā of the Level & Course
- Lesson 1: “Ya Allah, Let Me Leave Light in Every Corner I Touched”
- Lesson 2: “Accept My Efforts, Overlook My Shortcomings”
- Lesson 3: “Make My Life, My Wealth, and My Legacy a Witness for Me — Not Against Me”
Completion
🎓 Course Completion: Personal Finance – Applied Islam
“From Rizq to Responsibility, From Wealth to Worship”
🕌 What You’ve Learned:
Over the course of these 10 levels, you’ve taken a journey that transforms how you view and manage wealth — not just as a worldly asset, but as a spiritual trust. You’ve explored personal finance through the lens of the Qur’an, Sunnah, and a deep connection with Allah. Here’s a snapshot of what you now carry with you:
✅ Practical Knowledge
- How to earn, save, and spend with intention
- Budgeting and financial planning rooted in barakah
- Zakat calculation and wealth purification
- Halal investing, contracts, business ethics, and inheritance
- Managing financial tests with tawakkul and resilience
🧠 Emotional & Mental Growth
- Letting go of fear and shame around money
- Healing financial anxiety and building self-worth
- Setting healthy boundaries with yourself and others
- Replacing scarcity mindset with a growth mindset
🕋 Spiritual Transformation
- Making duʿā a central part of financial life
- Viewing money as a test, not just a tool
- Learning to trust Allah during gain, loss, and delay
- Structuring your life and legacy with akhirah in mind
🌱 How This Can Shape Your Future:
Your journey doesn’t end with completing this course — it begins anew. As you move forward:
- Live your budget as a form of ibadah.
- Teach your children, family, and community.
- Make your duʿā for provision consistent and heartfelt.
- Update your will and documents with sincerity and care.
- Start small sadaqah jariyah efforts now — and grow them.
Most importantly, continue asking:
💭 “Is my money helping me get closer to Allah or further away?”
📚 Recommended Next Steps & Resources:
- Keep a Rizq Journal to track provision, gratitude, and duʿā
- Revisit the Zakat & Legacy modules annually
- Take courses in Islamic investing, entrepreneurship, or waqf
- Study biographies of the Sahabah for real financial faith stories
- Explore Seerah and Aqeedah to deepen spiritual roots alongside your planning
🕯️ A Final Duʿā:
“Ya Allah, let my hands earn what is halal,
let my heart remain humble in gain and loss,
let my wealth never make me forget You,
and let my legacy be one of service, light, and worship.
Make me among those You call:
‘Eat and drink with joy for what you used to send ahead.’”
(Qur’an 69:24)
🤲 May your wealth bring you closer to Allah,
your struggles elevate your rank,
and your legacy shine long after you’re gone.