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Text and translation
English translation
2459. Shaddād bin Aws narrated that the Prophet ﷺ said: "The clever person is the one who subjugates his soul, and works for what is after death. And the incapable is the one who follows his desires and merely hopes in Allāh." (Da'if)
He said: This Hadīth is Hasan. [He said:] The meaning of his saying: "Who subjugates his soul", is to say the one who reckons with his soul in the world, before he is reckoned with, on the Day of Judgement.
It has been related that 'Umar bin Al-Khaṭṭāb said: "Reckon with yourselves before you are reckoned with, and prepare for the Greatest Inquisition. The reckoning of the Day of Judgement is only light for the one who reckoned with himself in the world."
And, it has been related that Maimūn bin Mihrān said: "The slave (of Allāh) will not be a Taqī until he has reckoned himself, just as he would account for where his business partner got his food and clothing."
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Commentary
The Hadīth tells us that a smart person is not he who is smart in amassing wealth with both hands in the world; a truly smart, prudent or clever person is he who subjugates his soul and makes it subservient to the commandments of Allāh and makes good preparation for his Afterlife.