"A man came to the Prophet and said: 'O Messenger of Allah, what kind of charity brings the greatest reward?' He said: 'To give in charity when you are healthy and feeling miserly, and fearing poverty and hoping for a long life. Do not wait until the (death rattle) reaches the throat and then say: "This is for so and so," and it nearly became the property of so and so (the heirs).'"
Reference: Sunan an-Nasa'i 3611 In-book : Book 30, Hadith 1 English translation : Vol. 4, Book 30, Hadith 3641
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