Updated: Jul 30, 2019
Indeed, the finality of destiny is within the ultimate decree of Allah (al-Qadar al-Azalee القدر الأزلي).
This does not negate human responsibility though. We are responsible to will, to seek, and to act. We are responsible to supplicate to our Lord with certainty. Actions are integral to faith. To be intent is an act of worship. To be optimistic (al-Fa'l الفأل) is from monotheism, and what everyone has been created for will be facilitated for the individual.
We must do what is within our power to do from what is pleasing to Allah. If we had no control over this, in an absolute sense, then our Lord would not hold us responsible for this, yet the two feet of the servant will not budge on the Day of Standing until asked about four, his lifespan and what he did with it, his knowledge and how he acted upon it, his wealth in how he acquired it and how he spent it, and his body and how he took care of it.
From amongst the best of people in this life and the next with our Lord is the one who possesses both knowledge and wealth, as both lead to piety when utilized properly, to the extent it is lawful to be jealous of one who possesses either.
Upon emigration to Madinah, from the initial actions of our Prophet ﷺ were acquiring land from Sahl and Suhail to build the Prophetic Masjid, building houses for his wives, and having enough stock within the Madani gold market to have control of the economy. Later we find twenty percent of all spoils dedicated to him. Purchase of land is controlling real estate, building houses for family shows us the importance of home ownership, having stock in the gold market is finance, and spoils were from the income of that era.
We find within the asceticism of the Prophet ﷺ that wealth was in his hand but not in his heart. We find from the ten the Prophet ﷺ informed to be promised Paradise, several of them were wealthy and utilized their knowledge and practice of wealth properly, all were amongst the best of the companions to be emulated. The Prophet ﷺ supplicated for Anas bin Maalik for wealth, children, and lifespan, and by the end of his life he was the wealthiest of the Ansar, had over 120 children, and lived to be over a hundred years of age. Others would invest their monies with him just to assure the blessing and increase of their wealth. We record this virtue in our history as a point of achievement.
The paths to Paradise are many. The poor are the first to enter it yet the wealthy will be present as well. Balance is key.