Musnad Ahmad

It is narrated from Hazrat Abu Kabsha Anmari (may Allah be pleased with him) that the Prophet (peace and blessings be upon him) said: The example of this Ummah is like four types of people. One is the person whom Allah has blessed with wealth and knowledge; he acts upon his knowledge regarding his wealth and spends it in its rightful places. The second is the person whom Allah has granted knowledge but not wealth, and he says, "If I had wealth, I would act upon my knowledge like that person." These two are equal in reward. The third is the person whom Allah has blessed with wealth but not knowledge; he spends it recklessly in wrongful places. And the fourth is the person whom Allah has neither blessed with wealth nor knowledge, and he says, "If I had wealth like that person, I would spend it in the same way as he does." These two are equal in sin. The previous hadith is also narrated through this second chain.