Do you know who is bankrupt person? May be you will say, a person who lost his money, lost his house, lost his business, and something like that. Sure those are bankruptcy. But that is not the real bankruptcy. Read this hadith carefully.
The Prophet (ﷺ) said to his companions one day,
أتدرون ما المفلِسُ ؟ قالوا : المفلِسُ فينا من لا درهمَ له ولا متاعَ . فقال : إنَّ المفلسَ من أمَّتي ، يأتي يومَ القيامةِ بصلاةٍ وصيامٍ وزكاةٍ ، ويأتي قد شتم هذا ، وقذف هذا ، وأكل مالَ هذا ، وسفك دمَ هذا ، وضرب هذا . فيُعطَى هذا من حسناتِه وهذا من حسناتِه . فإن فَنِيَتْ حسناتُه ، قبل أن يقضيَ ما عليه ، أخذ من خطاياهم فطُرِحت عليه . ثمَّ طُرِح في النَّارِ
“Do you know who is the one who is bankrupt?” They said, “Among us, the one who is bankrupt is the one who has no dirhams and no goods. He (ﷺ) said, “Rather the one who is bankrupt amongst my ummah is the one who will come on the Day of Resurrection with prayer, fasting and zakah, but he will come having insulted this one, slandered that one, consumed the wealth of this one, shed the blood of that one and beaten this one, all of whom will be given some of his hasanat (good deeds), and if his hasanat run out before the scores have been settled, some of their sins will be taken and thrown onto him, then he will be cast into the Fire” [Saheeh Muslim].
In the other hand, the real rich people are those who give a lot to others and keep their hand and mouth from harming others. That’s the real rich people.
Anything else can wait, but death cannot. Giving charity protects you from severe death, inshaAllah. Donate one here: ussunnah.org/waqf