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Text and translation
English translation
2123. Abū Ḥabībah Aṭ-Ṭā'ī said: "My brother willed a portion of his wealth to me. So I met Abū Ad-Dardā' and said: 'My brother has willed a portion of his wealth to me, so where do you suggest that I should give it - to the poor, the needy, or the Mujāhidīn in Allāh's Cause?' He said: 'As for me, then I would not consider them equal to the Mujāhidīn. I heard the Messenger of Allāh ﷺ saying: "The parable of the one who frees a slave at the time of his death is that of the one who gives a gift when he is satisfied (fulfilled his needs)." (Ḥasan)
[Abū 'Eisā said:] This Hadīth is Ḥasan Ṣaḥīḥ.
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Commentary
What we learn from the Hadīth is that true charity meriting greater reward from Allāh is the one that a man makes during the days of his health of body and greed for wealth. To give away the wealth when one is at the brink of death, and the inheritance is about to go to the heirs, is an act of much less value meriting much less reward in the Hereafter.