 عوض بالله من الشيطان الرجيم بسم الله الرحمن الرحيم السلط والسلام على أشرف الأنبيا وسيد المرسلين حبيبنا ونبينا وشفيع نفوسنا أب القاسم محمد المصطفى صلى الله عليه وآله وسلم وعلى آله الطيبين الطاهرين الغر الميمين المظلمين ولعنة الله على أعدائهم أجمعين من الأول إلى الآخر إلى يوم الدين السلام عليكم ورحمة الله وبركاته مرحباً أنت تشاهدنا على إمام حسين تي بي هذا هو تي 3 تتوك and thrive إن شاء الله أنا مرحباً علي البرجي لأجد من أجلكم ومساعداً لدينا سيد شبير كرماني السلام عليكم ورحمة الله وبركاته سيدنا هوايو الحمد لله الحمد لله ما شاء الله اليوم لدينا ما دي طريقة مادتيراني أو مدل سيد وقد قلت لك إمامه أنتي فلوري مع أنا ما شاء الله اليوم السلام عليكم ورحمة الله أي أخاديات worldwide الذين كانوا إخطاضاً ليست كماونين على الإسلام والله سumiات الله يقوموا إمامكم صوته وإن شاء الله سأحب to discuss مرحباً التحسين لديكم بغطة وكلاتك وإذا يصب هوات الشيخ ونحن نقوم بشكل جميل بحيث ونحن نقوم بشكل جميل بشكل جميل أو أن يجد أجهزة أو إنتباع أكثر حيث ليست شيء جميل بشكل جيد لإنتباعك يعني أنه إذا كنت تريد أن تستخدمه لأجزاء بشكل جيد كما تساعدتك بشكل جيد كما تكلمتك ليست فقط بحيث أن أقوم بشكل جيد بشكل جيد لإسلامي كما تكلمتني في الشركة يكون يعني في الشركة بشكل كبير يمكنك الشركة بشكل كبير من جانب المملك ما سنغادر عن أهل السباب هو أنه مرحب أن نحن نستخدمه ونحن نخبط منه بسم الله الرحمن الرحيم بسم الله الرحيم حيث يجب أن يجب أن يكون هناك إصلاعات المتحدة لذلك يجب أن يكون هناك إصلاعات المتحدة ولكننا نضع نظام بين المتحدة والمتحدة يجب أن نكون كوشسين من المتحدة ولكننا يجب أن نعمل ونقوم بإمكان المتحدة والمتحدة ليس فنانشل، هل هناك أشياء المتحدة ولكن المتحدة فنانشل is also encouraged المتحدة could be intellectual wealth the knowledge that you have this is also a form of wealth having family, good strong family ties this is a wealth many people in the world are not on good terms with their family members they're not on good terms with their parents sometimes God forbid their siblings, cousins and this is unfortunately a tragedy having good relationships with your family is a real blessing it's a wealth the same way with finances you should look to have that type of wealth the financial wealth in our lives as well but the goal is to do what Islam asks us to do with that wealth and that is to develop our community and our society there's many people around the world who need this there's many people even in our own neighborhoods in America you have people in your backyard and I mean that in your neighborhoods who go to sleep hungry every single day there's many western countries we think poverty is not in this part of the world it definitely is 100% at a very high level the fact that they may try and hide it is a facade it is at some level and we have a responsibility towards that and many people are working towards fulfilling that responsibility but when we look at I'm content the question that from previous episode that I'm content with my life well don't just think individually on yourself the bait have told us this the prophet has told us this you need to be concerned with the affairs of the Muslim community and if you're not فليس بي مسلم you're not a Muslim in the true sense of the word so there are people who are orphans in Iraq there are families of shohada in Pakistan in Afghanistan throughout the world people are suffering tremendously we have a responsibility to them as well you know they say charity is local it's very true we have a responsibility to our immediate vicinity as well for those viewers who may be in other parts of the world in Pakistan in Iraq they may be in other parts of the world for watching the show you have a responsibility if you have that ability and Allah has given you the opportunity expand your income not so that you can live better individually but so you can help your community thrive as much as possible true and as you mentioned it's not just about charity it's also about for example teaching people in order for them to learn how to acquire their own income so you at the same time could invest as you've mentioned in the previous episodes the most beautiful thing is rather than just keep giving charity that people will still be dependent on you is trying and make them independent and at the same time like as yourself you're fully aware what best thing would be for you to invest in something let it grow and then obviously you can extract the fruits of that investment so you can both benefit the one who's gained from your investment which is a form of charity and then eventually you both will be benefitting from the profit for example absolutely and that's a beautiful way for people to see it that they could help in other places in the world like terrible countries absolutely and that's how it should be that we in the west have been blessed with many opportunities and in the sense of material opportunities for example economic opportunities we have access to some of the best universities in the world we have access to some of the best hospitals and medical facilities in the world we have a lot of access to a lot of material good now I may stop and say at the same time there may be things that those in the east are blessed with that we may not have for example for example proximity we suffer from lack of that proximity yes we can take a flight we can go there but actually being there there's a certain barakah and blessing just being in that vicinity and so those who are there should not ever neglect this those in Karbala have a tremendous blessing it's a double-edged sword anyone who had the experience of living in these holy sites unfortunately you may sometimes witness that people who come from abroad respect and appreciate it more because eventually I don't know it must be in the human nature that we take things for granted so if I live in Najaf for example and the the holy shrine of Amir al-Mu'mineen is a walking distance from me it might be in the beginning I consider a blessing but then it becomes something granted it's like it's so normal that you don't appreciate as someone who's come from abroad and that's it's difficult how to keep that level of appreciation a very quick point and a very true point that you've said and will return the notion I remember when I was doing my masters in engineering and I was studying I had a colleague of mine and we were in a conversation a very good guy by the way it's a friend of mine we were on a project together and this was in university and going to the point of understanding and recognizing and realizing the benefit that were given by أحل البيتعلي مسلام and the guy was I asked him where are you from because he had come from abroad to study in this program and he said from Iran I was like oh Iran whereabouts he said so my natural instinct was you know just you know you know you know you know I'm an atheist he's like I have nothing to do with it and so the point that you alluded to understanding the proximity and the بركة البيتعلي is a gift you may be right next to the shrine and may not realize or you may be thousands of miles away and realize it depends on the light within the heart and the efforts إن شاء الله I don't rule out anyone إن شاء الله that friend of mine will come back to this way we shouldn't rule anyone out everyone has the opportunity to get down that road there's no doubt about it it's all subject to people being willing willingness exactly because at the end of the day if they're not willing to acquire that knowledge if they're not thirsty for the truth no matter what you do they'll never come absolutely so it was important to make this point because we're talking about economics business wealth in light of the أهل البيتعلي because they are our role models and they help us understand how we need to flourish and thrive in this world and so this notion of just sitting at home has been forbidden in Islam and we've already talked about that now coming to how to manage one's income Islam gives insight on this as well is it that I should for example be so so tight with my money that I don't give it to anyone Allah bless me with income Allah bless me with a house with family I've got all the wealth but I don't release my hand to help somebody else or on the flip side I get to such a point that I give so much that maybe I don't leave anything for my own family at all even or maybe I give so much to the point in time that I'm just spending that I may instill bad habits in others it's very important and so the best advice with respect to how one should manage their income is perhaps given by أبنى المؤمنين himself where he says that in terms of your wealth be frugal but not miserly سبحان الله be frugal but not miserly and be generous but not extravagant it says if أميل المؤمنين has he has summed up all of financial education in just two lines and that's how أميل المؤمنين operates this notion that when you have income don't be so frugal be frugal but don't be miserly hold your money only spend when you need for example you need clothes for work buy clothes for work you need to look presentable you need to look appropriate buy a nice shirt buy a nice for example the sisters buy a nice dress or whatever you need to do buy a few of those but don't do these two extravagant in there be frugal but also don't be the Imam says don't be so miserly don't be so miserly that you're not even willing to buy a nice shirt for yourself and people look at you and they see you at work and they say we're working with customers we're dealing with clients that this doesn't look appropriate don't be so at that level at the same time the Imam says be generous but don't be extravagant this is very important sometimes when you have income and you're giving to someone you don't want to instill bad habits in that person what that means بحمد الله may have blessed you with wealth and I say I need some help and you help me out for example but I don't want it to get to the point where every single time I am in need of something I come to you to help I should first go to my creator who is the ultimate sustainer I should first strive and work hard on myself with myself in order to establish a business or work hard to get some income on my own it's different for me to say I have a business plan this is my goal can you give me a loan this is a contract let's sign a contract and these are the terms and conditions once insha'Allah I am established I will repay you that money or by XYZ date one year six months I will pay you back your money this is different compared to when I am coming to any issue comes up I ask I ask in Islam when someone asks you for something you are not supposed to reject that person if someone truly asks you I am in need can you please help me financially you are then especially if you are capable of especially if you are capable of doing so now on the flip side look at how balanced Islam is on the flip side I should not be asking anyone for anything Islam is very adamantly against begging for example Islam is very adamantly against putting your hands in front of someone without having done work yourself it's totally balanced so once you've made your own effort and then you see that you're stuck and you're not able to come on top then you can insha'Allah ask then you can in fact in fact I would propose that people should strive to help make it to the point where that person does not even need to ask that would be beautiful that you help someone without him even asking but question arises here if someone is in need of help it depends it's a case by case situation but if I'm not aware that you're in need of a certain help how am I going to help you in the first place very good to this point we should have institutions in place if you're someone who's wealthy or we have some other brothers and sisters who have wealth ask them to maybe create a fund and they're not in charge of that fund maybe they get one one reliable person who has to manage that fund you know when would give people for example in the form of charity or people who need it I remember the tradition of Imam Ar-Raza that he would give in such a state in other Ahlul Bayt the members of the Ahlul Bayt Ali Mus-Salam they would only give charity or wealth or for example but they would give it behind a curtain to the point that they would say if someone asked in public they said don't ask here to save the face of that person to keep the dignity and honor of that person in place and when they would come the Imam would say come here the Imam would stay behind the curtain they would have a curtain and he would put the hand out behind the curtain so the person would not see that the Imam would not see his face when the Imam was asked why they were not to put the person into an awkward position exactly you must uphold the dignity of that person to the point that when this happens the Imam said was asked why why did you do this you could have just given the money before in front of him in front of everyone he said he had already put his dignity on the line once by asking I didn't want to put his dignity on the line second time by looking him in the face when he asked and when I was giving him that's the level of giving that's true generosity but coming back to this notion of what does Islam say about balancing one's income of managing your finances managing your income because let's be honest in today's world many people are stretched thin and I'm not talking about those people who honestly they're working hard and they're able and it's difficult for them to make ends meet and they're having to maybe use some other forms of income in order to sustain themselves I'm talking about many people in our modern world who have income but they stretch themselves beyond their means either through credit cards or things like this putting themselves in debt basically putting themselves in high amounts of debt in order to live a lifestyle that may not be in their interest buying a car that's way more expensive than you need for example or buying a house that's not needed it's too big for example unnecessary holidays or expensive holidays exactly extravagance this is what امير المومين says be generous but don't be extravagant to the point that you're living beyond your means I remember امام صادق عليه السلام our system it's attributed to him that he was he was measuring dates he was creating little bags or pouches with dates in them and he was counting them and weighing them and putting them aside a man saw him he said يبدا رسول الله could you not have asked someone else to do this for you couldn't you ask one of your children one of your sons or one of your workers to do this for you the امام was rationing for the month he was saying that this is my food this is some dates for day one day two day three all the way till the end of the month at that moment in time the man said couldn't you have someone else do this couldn't you have for example your son or your servant do this امام عليه السلام looked back at him and he's attributed to have said that know that there are three ways that someone can achieve and attain righteousness and in Islam he says one تفقه في الدين to actually have deep knowledge and religion to go at such a level and have a deep level of knowledge and religion number one number two is to have patience in the face of adversity to have patience when a calamity befalls you you've lost a loved one you've lost a relative you've lost a friend you've lost someone close to you or you've lost money some difficulty has come upon you and in that state and in that environment if you have patience that's the second way of achieving righteousness and the third امام عليه السلام is attributed to have said is that if you manage your income properly that is a way of achieving righteousness proper management of one's income leads you to righteousness we as Muslims should be very adamant about our income we should not be so easy and loose about our income this is not what Ahlul Bayt have taught us I am sometimes shocked that these concepts are not discussed or talked about in our lectures or in our discussions maybe unfortunately because a lot of people focus on providing lectures as to what's more interesting or what sells more if you know what I mean but it's definitely something that at the end of the day we need to use this knowledge in order for us to improve and we have a lot of gaps and weaknesses in our communities and Alhamdulillah there's been improvement don't get me wrong there's been improvement but I do agree with you 100% that these topics need to be more they need to occur more frequently into these lectures and maybe it would be good for us collectively to just maybe you know spread the words and the message to communities Hussein years around the world that listen guys let's focus on these aspects as well not just focus on massage obviously you can't neglect it but it's very important to improve ourselves socially it's crucial but with regards to attaining that balance how how could someone help himself understand more into what's the better balance for them for example let's say I love food okay I don't know about now fasting now but I love food yeah and I love experimenting now if let's say I could afford to go four times a week to a restaurant and eat all buy from outside instead of cooking home everyone knows that cooking home is much cheaper than going outside but I could still afford it now would it be is that considered extravagant I don't know if it's subject to each and everyone's opinion but how can I understand what's the line what's the balance is it for me to ask can I attain that knowledge is it just a a monthly issue of logic that listen do normal people go and eat four times a week to restaurants if no then that might be extravagant others may do I guess it all comes down to I don't want to say class but what you can afford as well should I say okay let me just go twice and those extra times I'm not going to go I can provide it in charity for example what's your opinion it's a very interesting question and I say that because this is one dimension of the equation or one side of the equation or one side of the coin there's another side of the coin and so with respect to that and keeping that in mind when we talk about spending now you're right it definitely has to do with each individual person's income it's different from person to person that's for sure that maybe somebody has more somebody has less and in terms of that there's a few things Allah knows how much to give each person he's absolutely just in that regard now if I'm making less that doesn't mean that's the income that's written for me there is if I work hard it's very possible I get more but we'll talk about this another day another time if I'm going to eat out for example in Shahr Ramadan or otherwise even eating out can be a form of development well you ask how well maybe I have an option of eating at a very high and fancy restaurant or I have the option of eating at a restaurant that's owned by a brother or sister in faith and maybe I can choose to go to that restaurant instead and help support their business through that process I'm getting a win-win scenario I'm eating out I'm having a good time with my friends and family and I'm also supporting a business but at the same time if I'm just looking to make a you know just trying to up my own social class and say that I'm eating at the best restaurant in town where that person themselves who runs that business maybe doing just fine and they wouldn't miss you if you went to the restaurant or not whereas somebody who in your own community you're helping them get on their own feet that could be a wonderful form of development absolutely there's no doubt about that and we can benefit from that tremendously the idea nothing in this world very few things are black and white there's a lot of gray in our world and we need to begin to see that but we need to have everything success starts with a belief it starts with a belief here in the heart and in the mind that I must first and foremost believe that this is achievable and attainable you know I was speaking with some of my friends just the other day talking about sometimes in our communities in terms of business our vision seems to be a bit low it seems to be a bit shallow I see that this brother started a restaurant over here let me open a restaurant right next to him I was going to talk to you about that it's an issue unfortunately we have that everyone just copycating each other you're going to have one street you're going to have 15 supermarkets 15 restaurants sells the same food and I'm like okay guys you got the same product obviously or you're not going to sell as much as you wish you need to have variety try maybe something different but it comes down to knowledge as well if someone's lacking knowledge that's what's another important thing as well I can't just randomly go and start a business I don't have a clue how to run a business so before even thinking of being a businessman first obviously I need to attain that knowledge like yourself for example you went you studied knowledge experience you've got an idea that if you want to get to objective A how to get there or if that route you chose it's not working you've got a plan B but if we don't have that knowledge there's no point in even bothering starting a business because we're just wasting our money in our time correct there's a point there as well success in business success in a career in general requires planning and we need to be mindful of that whether it's a med school or a dental school or a pharmacy school you have to have a plan right you have to have a plan of this is what I'm going to study this is my these are my years in study and this is what I'm going to do the same way you need a plan in business and if you plan inshallah you will succeed inshallah with that being said we're going to pause for a short break in the meanwhile stay with us السلام عليكم ورحمة الله وبركاته السلام عليكم ورحمة الله وبركاته and welcome back my beloved brothers sisters and respected viewers for any of you who just joined us in you are watching us live on Imam Hussein TV and this is our show T3 Teach, Talk and Thrive inshallah prior to pausing we're discussing about managing income and inshallah we're going to continue with I'll say it with regards to savings how can we save is it good to save and with regards to saving how can we balance that as well with saving and giving at the same time inshallah another very important question you've asked here because Islam has shed light on this as well a tradition attributed to our eighth Imam where we're talking about where he's talked where he's asked about savings Imam علي مسلم says a man who saves he makes his burden lighter and is able to rest and how true it is that when you have something saved over you have a little bit more ease mentally that you're not worried as much we have other traditions that are sixth Imam our fifth and sixth Imam both of them it is said that they would not spend anything until and unless they had already saved up one year's worth of income then they would begin to spend this is separate from this is spending on themselves this is separate from for example charity and people who are in need this is talking about when they were spending on themselves they would not spend even to the extent the tradition they would not even buy a knot or a rope or something they would not even buy anything up until the point they had already saved one year's of income you know if you look across the world you notice a cultural divide and a cultural difference many people in the west they live they don't they don't have much especially in America of a culture of saving we don't have much of a culture of saving and sometimes they live beyond their means as we mentioned before if you go to some of the eastern countries for example Japan and places like this people actually save a lot to the extent that many of them save half of their income and these people also when it comes to finances when there's numerous surveys that have been done statistical surveys that have looked at what are the major causes of stress in people's life and when you look at the west time after time again the number one cause of stress in people's life is finance finance financial reasons whereas people in the east many times they don't have suffer from the same level of distress because they have a cushion behind them where they're saving أهل البيت عليهم السلام we're totally bound they said make sure you save as well it's very important to keep that in mind just to pose you I would like to remind viewers the line the number is zero two zero three five one five zero one double nine I repeat zero two zero three five one five zero one double nine and inshallah we should have what's up number visible on the lower bottom of the screens if we have any issue with the lower third just let me know and I'll inform our viewers with regards to the number my apologies so saving is very important and somebody might say you know I don't know if I have the ability to save there's a very interesting book that's called the richest man in Babylon this is a book that's over 80 years old now it's a very old book but it's stood the test of time people still reference it and it's basically our allegorical fiction it's a story it's telling us a story it's not based on a real story it's a fiction but it's giving it's about wealth through a fictitious story and the story is based in Babylon as you know Babylon has a very rich history or Baghdad in that area it was one of the wealthiest places in history during its time in its era at one point in time anyways and it talks about how this person became the wealthiest man in Babylon anyways one of the principles within that book is to save a tenth of your income every month or every period now one may say I'm already going through a tough time you know I already it's difficult for me to make ends meet you're telling me to save 10% of my income when I I probably need to borrow 10% to make ends meet now that's the thing how are you going to save it if you can't now here's the reality of the matter human beings are very resourceful and they have the ability to be to be so I mean think about many times some of our our parents and how they made it sometimes being a first generation income first generation first generation immigrant to the west they had a very limited budget sometimes and how all these kids running around you know I don't know if you know but there's a company called Five Hour Energy we have it in America maybe you have some small energy drinks like this in Europe as well but anyways the guy who owns is a billionaire he's done very well from himself an Indian gentlemen and they asked him you know how do we learn management so you want to learn management he said look at a mother he said a mother has this fixed budget this fixed income all these children running around she has to feed the family take care of the kids look after everything and make sure that she does it within this limited budget many times and the point being that if you can make it let's say for example somebody has an income of I don't know $3,000 a month let's say they had $3,000 a month so we asked them to take off a certain amount from that let's say $300 off of that for example right they're left with $2,700 now it may be very difficult for them to make it but despite that you can still make it no excuses Insha'Allah we'll pose that we have a call on the line السلام عليكم ورحمة الله وبركاته السلام عليكم وعليكم السلام just brothers inside lower the volume a bit please السلام عليكم وعليكم السلام yes first of all thank you very much for the show and the topics who are needed at this age I have a question how do I manage my income when I have a lot of expenses to do and then how do you put their investments to say how we can serve our money for our future yeah okay brother thank you very much for calling and contributing Insha'Allah I will say it will answer your questions straight away so pretty much what we're building up to is the brother asked how do I manage my income especially when I have a lot of expenses now especially brothers and sisters who live in parts of the world like London will understand this more than maybe others where living costs aren't as high as I mentioned earlier for example about 10% that we a lot of us are struggling to just barely make meet needs end yeah how are we exactly going to save when our income is barely enough for us to survive and you mentioned about human beings being very resourceful so Insha'Allah if you can answer for us absolutely there's a few things to keep in this excellent question by the caller by the respected viewer and every scenario is not the same for some people saving 10% maybe a very difficult task more than anybody else so in that case maybe you can't save 10% maybe save 1% maybe reduce the amount but try to save something in light of what the for some people maybe 5% whatever that amount is but try to save something with respect to expenses it really depends are these needs or are these wants that's a very important point I know is this something that I really need in my life or is it something that I just want in my life first divide them into that once you have the needs and the wants corrected it also depends on how many people you're supporting how many mouths are you feeding if somebody is supporting a lot of people well they may have expenses in that environment they must work hard and I don't want to diminish that at all that person has a legitimate concern and I want to respect that but when we get into the wants you know I need a car for transportation to get to work very important I understand that that's an investment but do I necessarily need the nicest car in the world to get to work because is a car itself an investment if any of our brothers or sisters have studied economics or finance they know that a car is actually a majority of cases it's a depreciating asset meaning as soon as you buy it it loses its value it doesn't it needs maintenance as well so you need to keep spending on it so it's very expensive right but now if I just need a car to get from point A to point B that's reliable that's different but if I'm buying a car that's $100,000 for example and as soon as I drive it out the lot off the lot at the dealership it loses 20% of its value for example because it's no longer new now it's used that's crazy and over the first 3 year period it loses it loses the majority of its value during the first 3 years to 4 years of its lifespan so maybe it's a better idea for me to buy the car for maybe 3-4 years used and make sure it's in good condition and it doesn't have to be a most expensive brand then it doesn't necessarily have to be that now okay putting that into consideration now we're talking about someone who can manage his money by not spending extravagantly what about that a person who's content with you know the basic he's not overspending he's working hard but he just can't make it he's barely making it now at the end of the day الله سبحانه وتعالى will help us of course we know there's cases like what about the children of Yemen obviously they're being oppressed there is a reason for the lack of for them because it's been with hold away from them but someone who's working hard but 21st century both parents have to work yeah we're very fortunate if we live in a family where the mother can stay home and be the sustainer of the house be the pillar of the house yeah but you mentioned about our parents with all the respect from what I've seen as well and you you're very knowledgeable in economics as well you will understand that things have changed they've got a lot harder inflation the way monetary system the society as well it's not as easy as before and the chances I don't know correct me if I'm wrong but the way I see it maybe I'm being a bit negative but I see that we don't have the same opportunities like we have our parents had or our grandparents had what's your opinion a few points here when you say times are changing I agree with you this is a very valid point it's always changed and indeed our times may be different than our parents generation I mean you look at Silicon Valley in the United States the West Coast San Jose areas like that it's extremely expensive that's the most expensive part of America now you'll believe me when I say that there's families numerous families in Silicon Valley both parents are working full time yet they cannot afford housing they're on wait list for housing for three years sounds like London and perhaps in London as well because the prices have gotten so high it's exorbitant it's ridiculous and this is also part of why we've developed this series this show in general to encourage the next generation looking at the trend in the future with things getting automated with so many things becoming automated in the future the amount of jobs for employees will decline over time so what are we going to do so this is where the opportunity comes you need to be more creative in your thinking you need to have adopt a creative mindset understand and also get endeavor in business and try to use that to your advantage you know for example you go to people go to McDonald's and these restaurants for example nowadays you go there and you don't even speak to a person many times there's a machine there you order at the machine you hit some buttons they've already installed these here as well they've installed these here as well eventually it'll be a human less a human less like I think Walmart, Amazon trying to establish this so in the next 10 years there's going to be a revolution in the industry which is sad and it's part of to be honest for me personally I think it's part of the end times as well but it will it's just getting harder and harder and harder now you were saying about about people needing to think sometimes outside of the box and emerging business when the options are becoming smaller and smaller the list is shorter and shorter how if someone wanted to think something different as you've been practiced a bit of how in which way can someone where can I look for example where can I look if I want to start a new business do something different where should I start looking from if let's say I had a compass business compass where should I direct myself to phenomenal question here a good thriving business is one that solves a big problem if you identify a problem right there you're able to get to the point of solving this as soon as you identify a problem and this is what we call an entrepreneurship a hair on fire problem a problem that people it's like there's an urgent need to solve this problem yet no one has presented a solution to this problem and if you enter the market and present a viable solution to this problem you have a strong business opportunity this is it this is the crux of it if on my row or my street there's already 70 restaurants adding one more restaurant that may not be a hair on fire problem but maybe there's a certain type of cuisine or a certain type of food that's not present for example by the way in America the most failed business unfortunately is restaurant business because there's so many I presume and there's so many so it's people underestimate what it takes doing well in the restaurant business is not just having a good recipe and being able to cook well it takes a lot more you have to manage your staff you have to be able to make sure you get supplies make sure you're managing everything make sure everyone feels comfortable marketing, sales so many things go into a successful restaurant it's not just cooking well so in terms of that are you and I we need to think about what problem are we solving number one is it a hair on fire problem is it an urgent problem that people are willing to pay out of their pockets for people who have the money are they willing to pay for this to solve this problem this is the way you should be thinking and I should be thinking in terms of business another suggestion that I would give to some of our brothers and sisters young and old alike is try to read the biographies of successful business people throughout history or try to read the biographies of innovators and people who for example are inventors whether that's reading the biography of Thomas Edison who said that I for example I didn't find a thousand ways I didn't find 999 ways I didn't find a thousand ways not to make it he says I found 999 ways not to make a light bulb I didn't fail a thousand times in making a light bulb I found a certain amount of ways not to make it or someone who's behind the scenes did more work maybe Nikola Tesla Tesla was the man who actually did a lot of work for Edison and maybe should get more credit than Edison himself and so maybe read his biography Thank you for saying that I don't want to mention a lot about people if they're interested with regards to Thomas Edison as well recently I just did a bit random research about and I was shocked we taught a lot of things at school may not be necessarily true but I'll leave that to the audience about Thomas Edison and Nikola Tesla but with that being said and that's very important to know read those biographies read the biographies but now everything has a very strong caveat only follow that which is with ethics do not lie, cheat or steal at any moment in time that's the thing only with ethics don't forget your morals don't forget your foundation just for the sake of it very adamant I know businessmen not very far from here who've done very well they had some of the big they had big clients who were from alcohol companies and they said no we will not accept this people willing to pay a lot wrapping up with respect to managing income unfortunately till this day people, children are not taught financial education properly manage your finances properly that is a part of Dean and with that being said unfortunately once again we've run out of time and I would like to thank you all for being with us Insha'Allah I hope this show has been as beneficial to you as it has been to us I would like to ask you all kindly to remember us in your دعاز and the pool and the needy and the oppressed of this world and especially always pray pray for the hastening of the reappearance of Imam Al-Assaw Al-Zaman with that being said I'd like to thank you all and our team for making this happen until next week my salams for me and say it enjoy your افضار السلام عليكم ورحمة الله وبركات