The Hidden Cost of “Inshallah” Financial Planning

Have You Ever Said, “Inshallah, It’ll Work Out” About Your Finances?

Be honest—how many times have you told yourself something like this?

💭 “Inshallah, I’ll start saving soon.”
💭 “Inshallah, I’ll figure out investing one day.”
💭 “Inshallah, there will be barakah, and things will work out.”

I get it. We’re taught to have tawakkul (trust in Allah) when it comes to our rizq (sustenance). But tawakkul isn’t about sitting back and waiting—it’s about taking action and trusting Allah with the outcome.

Here’s the uncomfortable truth: Many of us are using “Inshallah” as an excuse to avoid taking responsibility for our finances.

And that mindset? It’s costing us—big time.

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1. Why “Inshallah Planning” is Holding You Back Financially

The reality is that financial security doesn’t happen by accident—it happens by design.

Yet so many Muslim women delay financial planning because of one of these three reasons:

❌ “I don’t know where to start.” → So you do nothing.
❌ “I don’t have enough money.” → So you wait until “one day” when you do.
❌ “I’ll figure it out when I need to.” → But by then, it’s usually too late.

The problem? Time is your biggest financial asset.

Every year that you delay:
💰 You miss out on savings and investments that could be growing.
💰 You stay in the same financial stress cycle.
💰 You end up making rushed money decisions out of urgency instead of strategy.

We wouldn’t apply the “Inshallah, it’ll work out” approach to our health, education, or parenting.

So why do we do it with our financial future?

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2. What Islam Teaches Us About Wealth & Planning

One of the biggest misunderstandings about Islam and money is that wealth is something we should just “leave up to Allah.”

But Islam actually encourages financial planning and preparation.

📖 Surah Yusuf teaches us about wealth management through the story of Prophet Yusuf (AS), who advised Egypt to save during years of abundance to prepare for future hardship.

📖 The Prophet ﷺ taught us to be strategic in our financial dealings, whether in trade, inheritance, or managing family wealth.

📖 Hadith: “Tie your camel and trust in Allah.” (Tirmidhi) – This means we take action first, and then rely on Allah for barakah in our efforts.

🔑 Tawakkul and financial planning go hand in hand.

So, what does planning actually look like?

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3. A 5-Step Plan to Take Control of Your Finances (Without Overwhelm)

Instead of feeling stuck in “Inshallah” mode, start with these small, doable steps:

Step 1: Track Where Your Money is Going

✔️ Log every expense for one month.
✔️ Identify where your money is actually going (needs vs. wants).
✔️ Find areas where you can cut back without feeling deprived.

💡 Many women inside The Wealth Circle realize they can save an extra $200-$500 a month just by being more intentional!

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Step 2: Build an Emergency Fund (So You’re Never Financially Stuck Again)

✔️ Aim for at least 3-6 months of expenses in a savings account.
✔️ Even if you start with $20 a week, consistency is key.
✔️ This is your safety net, so you’re not relying on others during tough times.

💡 An emergency fund is the difference between a financial inconvenience and a financial disaster.

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Step 3: Start Investing (Even If It’s Just $50 a Month)

✔️ Savings alone won’t grow your wealth. You need halal investments to beat inflation.
✔️ If you’ve been avoiding investing because it feels confusing, start small.
✔️ The Halal Investing Program teaches you step by step how to do this the right way.

💡 If you had invested $100/month in a halal ETF 10 years ago, your money could have doubled by now!

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Step 4: Plan for Retirement (Because No One Else is Doing It for You)

✔️ Calculate how much you’ll need to retire comfortably.
✔️ Start contributing to a halal retirement account (like an RRSP, 401k, ISA, or pension fund).
✔️ The earlier you start, the less you have to contribute each month.

💡 80% of women rely on someone else for retirement—until they realize too late that they should have planned for themselves.

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Step 5: Align Your Money with Barakah (So Your Wealth Grows with Purpose)

✔️ Pay zakat annually to purify your wealth.
✔️ Give sadaqah regularly, even if it’s just a small amount.
✔️ Be intentional with spending—support ethical businesses and make money decisions that align with your values.

💡 Money that moves with intention brings more barakah than money that sits still.

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4. You Don’t Have to Figure This Out Alone

The reason so many women stay stuck when it comes to money?

They try to figure it all out on their own.

You don’t have to. That’s why I created The Wealth Circle.

Inside, you’ll get:
✔️ A step-by-step plan to finally feel in control of your money.
✔️ Guidance on budgeting, saving, and investing the halal way.
✔️ A supportive community of women who are on the same journey as you.

📌 Click here to join The Wealth Circle today.

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Tawakkul Requires Action

Allah has given us the tools, knowledge, and resources to be financially responsible.

💡 Tawakkul is not passive—it’s active.
💡 We take the steps, and Allah puts barakah in our efforts.

So, let’s stop saying “Inshallah, I’ll figure it out one day”—and actually take that first step today.

💬 Tell me in the comments: What’s ONE financial step you’re committing to this month? Let’s hold each other accountable!