question #1 Sahih Muslim 1036, Book 12, Hadith 125 : What is the significance of spending surplus wealth in Islam?

O son of Adam, it is better for you if you spend your surplus (wealth), but if you withhold it, it is evil for you. There is (however) no reproach for you (if you withhold means necessary) for a living. And begin (charity) with your dependents; and the upper hand is better than the lower hand.