Sayyidina Abu Kabshah Anmari (RA) reported that Allah’s Messenger (SAW) said, “I swear about three things and I narrate to you a hadith, so keep it in memory. A man’s property does not diminish because of sadaqah (that he pays); when a man is wronged and he endures it patiently, Allah increases him in honour: and when a man opens a door to begging, Allah opens for him a door to poverty” or words to that effect. And I narrate to you a hadith, so keep it in memory. The world comprises four kinds of people: (1) a man on whom Allah has bestowed wealth and knowledge and in (using) them, he fears his Lord and joins ties of relationship and gives the right of Allah, this man is in the most excellent category. (2) a man on whom Allah has bestowed knowledge, but does not bestow wealth and he is true in his intentions, saying, “If I had wealth then I would act as so-and-so,” this being his intention, so their rewards are equal; (3) a man on whom Allah has bestowed wealth, but does not bestow knowledge, and he tramples with his wealth ignorantly, not fearing his Lord, not joining ties of relationship and not giving rights of Allah, so he is in the worst of categories; (4) and, a man whom Allah has given neither wealth nor knowledge and he says, “If I had wealth I would do as so-and-so does,” this being his intention, their burden is alike.”
[Abu Dawud 1645, TMuslim 4228, Ahmed 18053]