Preface

In the Name of Allah, the Most Gracious, the Most Merciful.

We live in a time where the quest for wealth often overshadows our connection to Allah. The
word "Hustle" is commonly associated with relentless ambition, but for a Muslim, Halal Hustle
means striving with sincerity, aligning our efforts with the divine laws of Allah while seeking
success in both worlds.

This book is written for every youth who feels lost in the cycle of dependency and confusion —
for those who seek wealth but also seek Jannah. It is not a criticism of formal education,
systems, or work, but a wake-up call to rediscover the Islamic approach to wealth, purpose, and
life.

As you read this book, I pray that you find inspiration, clarity, and the courage to live a life that is
both productive and pleasing to Allah.

“And whoever fears Allah – He will make for him a way out. And will provide for him from where
he does not expect.”​
— Surah At-Talaq 65:2-3

May Allah bless this effort and make it a means of transformation for every reader.

— A.A Tanko
Table of Contents
1.​ Introduction: A Divine History of Wealth and Worship​

2.​ Faith, Patience, and Provision: Your Spiritual Connection to Wealth​

3.​ School vs. Financial Knowledge: The True Source of Wealth​

4.​ Why School Doesn’t Teach Wealth: The Programming Trap​

5.​ Mindset Shift: Respect School, But Don’t Depend on It​

6.​ Skill is the New Oil: Find, Learn, Master, Repeat​

7.​ The Nigerian Struggle: Dependence vs. Discipline​

8.​ Skill + Ibadah = True Wealth (With Allah's Barakah)​

9.​ Health is Wealth: The Forgotten Hustle​

10.​Balance, Barakah, and the Halal Hustler’s Path

Introduction: A Divine History of Wealth and Worship
“And I did not create the jinn and mankind except to worship Me.”​
— Surah Adh-Dhariyat (51:56)

We begin with the most important truth: You were not created to hustle for wealth alone. You
were created to worship Allah. That is your purpose. But in His infinite mercy, Allah also
provided you with everything you would ever need to survive, thrive, and live with dignity on
earth.

From the time of Adam (peace be upon him), Allah blessed humanity with resources — land,
food, water, knowledge, and strength. He said in Surah Al-Baqarah:

“It is He who created for you all of that which is on the earth…”​
— Surah Al-Baqarah (2:29)

Wealth was never meant to be a struggle. It was part of the divine system. Allah made it
available in abundance. But as man grew in number and ego, he began to manipulate these
resources — not to share, but to control. Man created systems, governments, and rules to
regulate how people could access wealth. And in doing so, many began to suffer.

The systems we now live in — from schools to employment structures, from taxes to global
markets — were not built for fairness. They were built to favor a few and keep many in survival
mode. Sadly, most people don’t even realize that this cycle is man-made, not divinely ordained.

Yet, Allah gave you a way out.

He gave you iman (faith), taqwa (God-consciousness), and aql (intellect). With these, you can
build wealth without compromising your values, without oppression, and without becoming a
slave to the system.

The Halal Hustle is Born

The idea of Halal Hustle is simple: work hard, but within the limits of what is pleasing to Allah.
Build wealth, but never worship it. Seek financial freedom, but stay spiritually grounded.

“Wealth and children are [but] adornment of the worldly life. But the enduring good
deeds are better to your Lord for reward and better for [one's] hope.”​
— Surah Al-Kahf (18:46)

Wealth is not evil. Being rich is not haram. What is haram is the means by which you acquire
wealth and what you do with it. In Islam, earning is an act of worship when done with the right
intention and within halal boundaries.
As we journey through this book, we will explore how to align your hustle with your deen. How to
think independently, gain skills, create wealth, take care of your health, and do all of this while
staying true to the path of Islam.

This is your time. This is your mission. This is your Halal Hustle.

Dua for Guidance and Provision:​

“Allahumma inni as’aluka ‘ilman nafi’an, wa rizqan tayyiban, wa ‘amalan
mutaqabbalan.”​
(O Allah, I ask You for beneficial knowledge, pure (halal) sustenance, and
accepted deeds.)

Chapter One: Faith, Patience, and Provision — Your

Spiritual Connection to Wealth
“And if only the people of the cities had believed and feared Allah, We would have
opened upon them blessings from the heavens and the earth…”​
— Surah Al-A’raf (7:96)

Faith is Your First Currency

Before any money enters your hand, your real wealth begins with faith (iman). Faith is not
just a belief system—it is a mindset, a way of thinking, living, and expecting provision directly
from your Creator. When you put Allah first, you are placing your trust in the only One who
never fails.

In our world today, people often separate spirituality from financial life. Some believe that being
close to Allah means living poor. Others think that wealth comes only from hustle, struggle, and
connections. But Islam teaches us that true wealth is from Allah, and it is unlocked by two keys:
faith and patience.

“Indeed, Allah is with those who are patient.”​

— Surah Al-Baqarah (2:153)

Patience is Your Second Currency

Wealth does not come overnight. No successful halal entrepreneur or investor becomes wealthy
in one day. The Prophet Muhammad ‫ ﷺ‬said:

“The most beloved deeds to Allah are those that are consistent, even if they are
small.”​
— Sahih Bukhari
Building halal wealth requires consistency, trust in Allah, and patience. There will be days when
your business is slow. Days when your savings go down. Days when no one supports you. But if
you keep working, praying, and staying away from haram income, Allah will open a door you
never expected.

“And whoever relies upon Allah – then He is sufficient for him.”​

— Surah At-Talaq (65:3)

Ibadah + Hustle = Barakah

A Muslim should never separate daily worship (ibadah) from daily hustle. Your salah (prayer),
your duas, your dhikr (remembrance of Allah) — they are not separate from your business life;
they are your fuel.

Wake up for Fajr, ask Allah for halal risk, then work. Read Qur’an, seek knowledge, and then
apply it. Make dua before every business deal. Make istikhara before investing your money. This
is what makes your hustle halal and powerful.

“And your Lord says, ‘Call upon Me; I will respond to you.’”​
— Surah Ghafir (40:60)

Wealth and Worship Are Not Enemies

In Islam, being rich is a blessing if you use it for good. The Prophet ‫ ﷺ‬himself was not
poor—he did business, received gifts, and gave in charity. The companions like Abdur-Rahman
ibn Awf (RA) were extremely wealthy and yet deeply devoted to Allah. What made their wealth
different? Their hearts were not attached to it.

They used their wealth to build masjids, feed the poor, support the Ummah, and spread Islam.
That is the Halal Hustle mindset: Earn it, spend it wisely, and never forget Allah.

Daily Dua for Rizq (Provision)

“Allahumma akfini bihalalika ‘an haramika, wa aghnini bifadlika ‘amman siwaka.”​

(O Allah, suffice me with what You have made halal instead of what You made
haram, and enrich me by Your grace from needing anyone besides You.)

In Summary:

●​ Faith and patience are the foundation of wealth in Islam.​

●​ Allah provides sustenance to those who trust and obey Him.​

 ●​ Never separate your hustle from your worship — they must work hand in hand.​

●​ True halal wealth brings barakah, peace, and lasting impact.​

Chapter Two: School vs. Financial Knowledge — The True

Source of Wealth
“Say: Are those who know equal to those who do not know?”​
— Surah Az-Zumar (39:9)

School Gives You Certificates, Not Wealth

One of the biggest illusions today is that education alone guarantees wealth. Many people go
to school for years, graduate with high grades, and still struggle financially. Why? Because
formal education often teaches you what to think, not how to think about money.

Most schools prepare students to work for someone else. They teach you how to become
employees — not how to build a business, invest, or manage wealth. And in a system where
everyone is chasing limited job positions, the majority end up stuck in survival mode.

Financial Knowledge is the Real Power

Let’s be clear: Islam encourages knowledge. But not just any knowledge — beneficial
knowledge. And one of the most beneficial areas today is understanding how money works.

Financial knowledge means:

●​ Learning how to save, budget, and invest.​

●​ Knowing the difference between assets and liabilities.​

●​ Understanding halal vs. haram transactions.​

●​ Building multiple streams of income within halal boundaries.​

Unfortunately, these subjects are not taught in most schools. That is why someone with little
schooling but strong financial education can become wealthy — while a degree-holder may stay
broke.

“Indeed, Allah will not change the condition of a people until they change what is in
themselves.”​
— Surah Ar-Ra’d (13:11)
You must take responsibility for your financial growth. Read books on business and money.
Attend Islamic finance seminars. Follow halal entrepreneurs. Start something small. You don’t
need to wait for a job to begin earning. You need financial awareness and action.

Examples from Islamic History

The Prophet Muhammad ‫ ﷺ‬was not taught in a formal school, yet he was one of the most
financially and spiritually successful humans in history. He worked as a trader, was known for
honesty, and managed wealth with wisdom. His companions too were business-minded and
financially intelligent.

They were not “school smart” — they were life smart and deen smart. They mastered trade,
investment, and resource management in ways that honored Allah.

Your School is Not Your Limit

You are not bound by your degree. Whether you studied engineering, accounting, or Islamic
studies — know this: Your rizq is not limited to your certificate. It is determined by Allah and
multiplied through your effort and financial knowledge.

Break free from the mindset that only your school will make you rich. It is your mindset, your
skill, and your hustle—guided by your faith—that brings wealth.

Dua for Useful Knowledge and Barakah in Wealth

“Allahumma inni as’aluka ilman naafi’an, wa rizqan wasi’an, wa shifaa’an min kulli
daa’in.”​
(O Allah, I ask You for beneficial knowledge, vast halal provision, and healing from
all illness.)

In Summary:

●​ School is important but not enough to build wealth.​

●​ Financial knowledge is the missing link for many.​

●​ Islam supports learning and earning — not dependency.​

●​ Don’t wait for a job; grow your skills and seek halal opportunities.​
Chapter Three: Why School Doesn’t Teach Wealth — The
Programming Trap
“They only know the outer aspect of the worldly life, but they are unaware of the
Hereafter.”​
— Surah Ar-Rum (30:7)

The Hidden Purpose of Modern Education

Let’s ask an honest question: Why doesn’t school teach us about money? Why don’t we
learn how to build businesses, understand taxes, manage debt, or invest in assets?

The answer is simple but uncomfortable: Modern schools were not designed to create
wealth builders. They were created to produce obedient workers — people who follow rules,
meet deadlines, and depend on systems.

This began during the industrial revolution, when factories needed disciplined labor. So schools
adopted that model — teaching students how to listen, memorize, obey authority, and compete
for jobs. Not to lead. Not to own. Not to create. Just to serve.

And that system has remained until today.

The Trap of Grades and Certificates

We are taught that success means getting good grades, going to university, and getting a
"respectable job." But what if that job pays just enough to survive? What if it never gives you
time freedom? What if it never allows you to explore your potential?

Sadly, many people spend their lives chasing degrees, but still end up in debt, stress, and
dependency. They never learn how to make money work for them — only how to work for
money.

“And do not extend your eyes toward that by which We have given enjoyment to
[some] categories of them — [it is but] the splendor of worldly life...”​
— Surah Taha (20:131)

Real Wealth is Built Outside the Classroom

The people who build real wealth are not necessarily the best students. They are those who:

●​ Learn skills that solve problems.​

●​ Think creatively and take risks.​

 ●​ Understand people, money, and markets.​

●​ Combine knowledge with action.​

This is why you will see a tailor become a millionaire, while a degree-holder remains in a
government office earning just enough to survive. It’s not about school — it’s about financial
strategy.

Islam and Independent Thinking

Islam encourages learning but also independent thinking. The Qur’an repeatedly tells us to
reflect, observe, reason, and learn from life — not just textbooks.

“Do they not reflect upon themselves?”​

— Surah Ar-Rum (30:8)

The Prophet ‫ ﷺ‬was unlettered, but he was the most intelligent, wise, and strategic man in
history. He led armies, managed wealth, resolved conflicts, and built a civilization — not by
sitting in a classroom, but by living with purpose and divine guidance.

The Programming Must Stop

As Muslims, we must break free from this mental programming. School is not bad — but
depending on school alone is dangerous. You must teach yourself what the system refuses to
teach you: how to think for yourself, how to hustle with halal means, and how to trust
Allah while doing your part.

Dua to Break Mental Limitation and Seek Enlightenment

“Rabbi zidni ‘ilma, warzuqni fahma, waj‘alni mina al-mufliheen.”​

(My Lord, increase me in knowledge, grant me understanding, and make me
among the successful.)

In Summary:

●​ Schools were designed to create workers, not wealth builders.​

●​ Financial independence comes from skills, not just certificates.​

●​ Islam teaches us to reflect, reason, and take initiative.​

●​ Don’t hate school — but don’t rely on it to build your future.

Chapter Four: Mindset Shift — Respect School, But Don’t
Depend on It
“Indeed, Allah will not change the condition of a people until they change what is in
themselves.”​
— Surah Ar-Ra’d (13:11)

Don’t Be Programmed — Be Empowered

Let me make this very clear: I’m not against school. I respect education. It is a noble tool. But I
am strongly against the dependency mindset that school alone will make you rich or
successful.

Many youths go to school expecting that once they graduate, wealth will fall into their laps. They
believe that the certificate itself is a guarantee of a good life. But that mindset is dangerous —
and it’s one of the reasons why many educated people are still broke, frustrated, or jobless.

What you must realize is this: School is a platform — not a destination.

It gives you a foundation, but what you build on that foundation is up to you. Without action,
mindset shift, and additional self-education, your degree is just paper.

Wealth is a Mental Game

Wealth starts in the mind before it appears in the bank account. If you think like a servant, you
will always serve others. If you think like a leader, you will create opportunities. If you think like a
problem-solver, people will pay you for your solutions.

That’s why two people can graduate with the same degree, but one becomes an employer while
the other remains jobless. The difference? Mindset.

“Verily, in the remembrance of Allah do hearts find rest.”​

— Surah Ar-Ra’d (13:28)

When you think with clarity, courage, and faith in Allah’s provision, you begin to see
opportunities everywhere — not just in job vacancies, but in business, service, and value
creation.

School Can’t Teach You Everything

There are things no classroom can teach you:

●​ How to build confidence.​

 ●​ How to negotiate a deal.​

●​ How to manage money wisely.​

●​ How to deal with failure and bounce back.​

●​ How to connect with Allah during hardship.​

These are life skills you must learn on your own — through books, mentorship, trial and error,
and spiritual growth. The earlier you realize this, the faster you move from dependency to
destiny.

Make School Work for You

If you’re still in school, don’t wait till you graduate to start your hustle. Start now. Sell something.
Learn a skill. Manage your time wisely. Develop your mindset. If you’re out of school, stop
blaming the system. Wake up and start building.

Respect your school journey, but don’t let it define your limits. You are more than your
degree. You are a servant of Allah, and with the right mindset, He can open doors for you
beyond your imagination.

“And whoever fears Allah – He will make for him a way out.”​
— Surah At-Talaq (65:2)

Dua to Expand the Mind and Free Yourself from Limitation

“Allahumma iftah li abwaaba rahmatik, wa rizqika, wa fahmik.”​

(O Allah, open for me the doors of Your mercy, Your provision, and Your
understanding.)

In Summary:

●​ School is a tool, not a destination — don’t depend on it for your future.​

●​ Your mindset determines how far you go in life.​

●​ Wealth requires action, courage, and learning beyond the classroom.​

●​ Use school as a stepping stone, not as your final goal.​

Chapter Five: Skill is the New Oil — Find, Learn, Master,
Repeat
“And say, ‘Do [good]; for Allah will see your deeds, and [so will] His Messenger and
the believers.’”​
— Surah At-Tawbah (9:105)

The Era of Skills Has Arrived

We are no longer in the generation where certificates alone define your value. Today, skills are
the new oil — the most valuable currency in the global market. While some people wait for job
offers, others are busy creating value and getting paid daily.

Ask yourself:

●​ What can you do with your hands?​

●​ What problem can you solve with your brain?​

●​ What service can you provide that people are willing to pay for?​

From fashion to tech, digital marketing to tailoring, photography to trading, writing to welding —
the world is looking for people who are good at something. Not just graduates. Not just
talkers. But doers.

Islam Encourages Productivity

The Prophet Muhammad ‫ ﷺ‬was skilled in trade. His companions were farmers, blacksmiths,
businessmen, and builders. Islam is a religion of action, not laziness. Even the Prophet Dawood
(AS), though a king and a prophet, earned with his own hands:

“And We gave David excellence... and We said, ‘O mountains, repeat [Our] praises
with him, and the birds [as well].’ And We softened iron for him.”​
— Surah Saba (34:10)

The Prophet ‫ ﷺ‬said:

“No one eats better food than that which he eats out of the work of his hand.”​
— Sahih Bukhari

How to Choose a Skill

Not everyone is meant to be a programmer or tailor. But everyone must find a skill that suits
them. Ask yourself:

1.​ What do I enjoy doing?​

2.​ What comes naturally to me?​

3.​ What do people around me need?​

4.​ What problem am I passionate to solve?​

Start small. Learn. Practice. Fail. Repeat. The goal is not perfection, it is mastery through
consistency.

“And say, ‘My Lord, increase me in knowledge.’”​

— Surah Taha (20:114)

Mastery Brings Wealth

When you become very, very good at something — you will never be broke again. People pay
experts. They trust people who have results. So instead of chasing 10 things, focus on one
and master it.

Mastery takes:

●​ Time.​

●​ Focus.​

●​ Learning from mistakes.​

●​ Reading books and applying.​

●​ Seeking mentorship from those ahead of you.​

Combine this skill with good communication, honesty, and halal intention — and Allah will put
barakah in it.

Read Books Like You Read Qur’an

Many people want to succeed but refuse to read. That’s not how success works. Books are
silent teachers. Read books on:
 ●​ Business​

●​ Marketing​

●​ Mindset​

●​ Productivity​

●​ Islamic finance​

And always combine it with reading Qur’an and Hadith — to stay spiritually guided.

Dua for Skill and Excellence

“Allahumma inni as’aluka husna at-tadbeer, wa sa’adatan la tansaa, wa ‘ilman

yuntafa’u bih.”​
(O Allah, I ask You for good planning, unforgettable success, and knowledge that
benefits.)

In Summary:

●​ Skills are more powerful than certificates in today’s world.​

●​ Islam encourages work, mastery, and productivity.​

●​ Choose a skill, stay consistent, read a lot, and improve every day.​

●​ With the right intention, your skill can be your door to halal wealth.

Chapter Six: The Nigerian Struggle — Dependence vs.

Discipline
“Indeed, Allah does not change the condition of a people until they change what is
in themselves.”​
— Surah Ar-Ra’d (13:11)

Hoping Without Hustling

Nigeria is a blessed land. We have talent. We have oil. We have youth. We have culture. But we
also have a poverty mindset that holds many back. Too many people are waiting — waiting for
government jobs, political appointments, or “connections” that may never come.

Hope without action is not iman. It’s just a wish.

Islam teaches us to tie the camel and then trust Allah. Not to sit under the sun and pray for the
camel to come to us.

“If you were to rely upon Allah as He should be relied upon, He would provide for
you as He provides for the birds: they go out hungry in the morning and return full in
the evening.”​
— Sunan At-Tirmidhi

Notice: The birds go out — they move, they act, they hustle.

The Dependence Problem

In Nigeria today, many believe:

●​ Government jobs are the only real jobs.​

●​ NYSC is the gateway to financial freedom.​

●​ Someone must help you before you can succeed.​

●​ Being connected is better than being skilled.​

These beliefs are killing ambition. They make people lazy, unskilled, and bitter when nothing
happens.

Islam does not support laziness. The Prophet ‫ ﷺ‬said:

“The strong believer is better and more beloved to Allah than the weak believer…”​
— Sahih Muslim

Strong in what? In faith, action, discipline, and productivity.

What’s Missing? Financial Orientation

Most of us were never taught how to manage money. We were raised to spend, not to build.
We were not taught:

●​ How to save wisely.​

 ●​ How to start small businesses.​

●​ How to avoid debt traps.​

●​ How to invest with patience.​

So when people finally earn money, they blow it on ceremonies, status, fashion, and trends —
instead of investing in growth.

We don’t need more handouts. We need financial education and discipline.

Discipline is the Real Key

Discipline is doing what you must do — even when you don’t feel like it. It means:

●​ Waking early for Fajr and staying productive.​

●​ Delaying pleasure to invest in long-term gain.​

●​ Avoiding haram shortcuts and sticking to halal means.​

●​ Showing up for your hustle every day.​

It’s not magic. It’s not vibes. It’s consistent, focused effort — with tawakkul.

“And say: Work, for Allah will see your deeds...”​

— Surah At-Tawbah (9:105)

Real Change Starts With You

No government can fix your life. No uncle can save you. You must:

●​ Pick a skill.​

●​ Build a routine.​

●​ Start from zero, if needed.​

●​ Trust Allah while working smart.​

Dua to Break Dependence and Build Discipline

 “Allahumma inni a’udhu bika minal ‘ajzi wal kasali, wal jubni wal bukhl, wa
ghalabatid-dayni wa qahrir-rijal.”​
(O Allah, I seek refuge in You from helplessness, laziness, cowardice, miserliness,
the burden of debt, and the oppression of men.)

In Summary:

●​ Nigeria’s poverty is caused more by mindset than lack of resources.​

●​ Waiting for help is not a strategy — hustle with knowledge and skill.​

●​ Islam rewards action, discipline, and reliance on Allah.​

●​ Change begins with the decision to build and grow, not wait and complain.​

Chapter Seven: Skill + Ibadah = True Wealth (With Allah’s

Barakah)
“Say: Indeed, my prayer, my sacrifice, my living and my dying are for Allah, Lord of
the worlds.”​
— Surah Al-An’am (6:162)

Wealth Is Not Just Numbers — It’s Barakah

In today’s world, people measure wealth by figures: how much you earn monthly, how many
cars you own, how expensive your clothes are. But in Islam, true wealth is not just quantity—it’s
about barakah, the divine blessing in your income, your time, and your peace of mind.

You can earn ₦500,000 a month with no barakah, and it disappears quickly. Another person
earns ₦100,000 with barakah, and it takes care of everything. The difference is in the source,
the intention, and the spiritual connection to Allah.

Skill Without Ibadah Is Empty

You may be the best tailor, trader, marketer, or artist. But if you disconnect from salah, dhikr,
Qur’an, and halal intentions — your hustle becomes purely dunya-focused. That is a dangerous
trap.

Skill will give you income, but ibadah gives you guidance, protection, and purpose. When
you combine both, you become unstoppable — blessed in this life and the next.
 “Establish prayer and give zakah, and obey the Messenger – that you may receive
mercy.”​
— Surah An-Nur (24:56)

Ibadah Brings Doors You Didn’t Expect

The more you engage in ibadah, the more Allah opens doors you could never have planned.
Many people have stories where:

●​ One tahajjud prayer changed their life.​

●​ One sincere sadaqah unlocked business opportunities.​

●​ One dua opened a new stream of income.​

The Prophet ‫ ﷺ‬said:

“Whoever fears Allah, He will make a way out for him and provide for him from
sources he never expected.”​
— Surah At-Talaq (65:2–3)

This is the formula of Halal Hustle: Skill (effort) + Ibadah (spiritual connection) = Sustained,
clean wealth with barakah.

Your Skill is Your Tool — Allah is the Source

Always remember: Your skill is not the source of your rizq. It is just the tool Allah uses to
provide for you. Don’t rely on your talent alone. Rely on Allah, and then sharpen your tool.

Wake up for tahajjud. Make dua after each prayer. Recite Qur’an. Give sadaqah, even if it’s
small. And then return to your hustle with renewed energy and guidance.

Dua for Barakah and Halal Sustenance

“Allahumma barik li fi rizqi, waj‘alni minal mutawakkilin ‘alayk.”​

(O Allah, bless my provision and make me among those who rely upon You.)

In Summary:

●​ True wealth is not just money — it’s wealth with barakah and peace.​

●​ Skill is important, but without ibadah, it leads to emptiness or arrogance.​

 ●​ Allah provides in amazing ways when you connect your hustle with Him.​

●​ Hustle hard, pray harder — that’s the halal way to grow rich.

Chapter Eight: Health is Wealth — The Forgotten Hustle

“And do not kill yourselves [or one another]. Indeed, Allah is to you ever Merciful.”​
— Surah An-Nisa (4:29)

What’s the Point of Wealth Without Health?

In the race for success, too many people forget a crucial blessing: your body. You hustle from
morning to night, chasing money, chasing clients, chasing dreams — but your back hurts, your
chest tightens, your energy fades. Before you know it, you’re rich… and sick.

Islam teaches us balance. You are a trustee over your body. Your health is an amanah from
Allah. The Prophet Muhammad ‫ ﷺ‬said:

“There are two blessings which many people waste: health and free time.”​
— Sahih Bukhari

If you don’t take care of your body, you will pay the price — either through medical bills, low
energy, poor focus, or even spiritual laziness.

Healthy Body = Productive Worship + Strong Hustle

When your body is strong:

●​ You can wake up early and pray Fajr.​

●​ You can fast with ease.​

●​ You can hustle longer without burnout.​

●​ You can think clearly and make better financial decisions.​

Good health increases your capacity for both ibadah and income. It helps you stay calm during
stressful days, and it gives you the stamina to chase your goals while remembering Allah.
 “Eat and drink, but do not be excessive. Indeed, He does not like those who commit
excess.”​
— Surah Al-A’raf (7:31)

Eat Right. Move Often. Sleep Well.

You don’t need to be a bodybuilder. You just need to:

●​ Eat clean: Avoid junk, control sugar, drink water.​

●​ Exercise regularly: 20–30 minutes daily walking, stretching, or body movement.​

●​ Sleep early: 6–8 hours of restful sleep is better than overnight stress.​

●​ Reduce screen time: Too much social media damages your attention and drains your
brain.​

A sharp mind comes from a rested body. And a rested body leads to better worship, better
business decisions, and better quality of life.

The Sunnah Lifestyle Is a Healthy Lifestyle

The Prophet ‫ ﷺ‬taught us:

●​ To eat in moderation.​

●​ To fast regularly (e.g., Mondays and Thursdays).​

●​ To sleep early and rise early.​

●​ To walk often and work with our hands.​

●​ To cleanse our bodies (wudu, ghusl, siwak).​

Islamic teachings are not only spiritual — they are also the ultimate health guide.

Dua for Good Health and Strength

“Allahumma ‘afini fi badani, Allahumma ‘afini fi sam’i, Allahumma ‘afini fi basari, la

ilaha illa Anta.”​
(O Allah, grant me well-being in my body, hearing, and sight. There is no god but
You.)​
— Abu Dawood
In Summary:

●​ Health is one of the greatest forms of wealth — protect it.​

●​ You need strength to worship Allah and pursue your goals.​

●​ Follow a balanced lifestyle: Eat well, move often, and sleep enough.​

●​ The Sunnah provides a beautiful model for physical and spiritual wellness.

Chapter Nine: Balance, Barakah, and the Halal Hustler’s

Path
“And seek, through what Allah has given you, the home of the Hereafter; and do not
forget your share of the world.”​
— Surah Al-Qasas (28:77)

Hustle with Balance, Not Burnout

In a world that praises 24/7 hustle culture, many Muslims fall into the trap of working non-stop,
thinking that this is the only way to succeed. But Islam teaches a different path — a path of
balance (wasatiyyah).

Yes, you should work hard. Yes, you should seek wealth. But you must not allow your hustle to:

●​ Make you miss your salah.​

●​ Disconnect you from the Qur’an.​

●​ Harm your family relationships.​

●​ Ruin your health.​

●​ Kill your peace of mind.​

“It is He who made the night for rest and the day for livelihood…”​
— Surah Al-Furqan (25:47)
There is a time to work, a time to rest, a time to worship, and a time to reflect. True success is
when you are present in your dunya duties and prepared for your akhirah destination.

Barakah Is the Secret Ingredient

You can have a small business that brings peace, progress, and purpose — while another
person with a huge enterprise is always stressed, sleepless, and empty. That’s the difference
barakah makes.

Barakah comes from:

●​ Praying on time.​

●​ Earning halal.​

●​ Saying Bismillah before starting work.​

●​ Giving sadaqah from your income.​

●​ Trusting Allah and avoiding haram shortcuts.​

The Prophet ‫ ﷺ‬said:

“Charity does not decrease wealth.”​

— Sahih Muslim

In fact, it increases it — because Allah puts barakah in the rest.

The Halal Hustler’s Daily Routine (Ideal Model)

A true Halal Hustler lives a balanced life, for example:

●​ Fajr: Wake, pray, and make dua for rizq.​

●​ Morning: Plan your tasks, work on your business/skill.​

●​ Dhuhr: Short break, pray, stretch, hydrate.​

●​ Afternoon: Client meetings, research, learning something new.​

●​ Asr to Maghrib: Follow up, relax, reflection time.​

●​ Isha: Pray, unwind, family bonding or reading, sleep early.​

You are not a machine. You are a believer. Every part of your day should have purpose and
connection to Allah.

“Verily, in the remembrance of Allah do hearts find rest.”​

— Surah Ar-Ra’d (13:28)

Dua for Barakah and Balanced Living

“Allahumma inni as’aluka rizqan tayyiban, wa ‘amalan mutaqabbalan, wa ‘ishatan fi

tawazun.”​
(O Allah, I ask You for pure provision, accepted actions, and a life of balance.)

In Summary:

●​ Halal hustle is not about working 24/7 — it’s about working smart with balance.​

●​ Your success must never come at the cost of your deen or health.​

●​ Barakah in your life and income is more valuable than big money with stress.​

●​ Live a routine that feeds your soul, your body, your family, and your finances.
●​

Chapter Ten: The Halal Hustler’s Legacy — Wealth that

Lives Beyond You
“When a man dies, his deeds come to an end except for three: ongoing charity,
beneficial knowledge, or a righteous child who prays for him.”​
— Sahih Muslim

Wealth Dies. Legacy Lives.

We hustle hard, pray hard, build businesses, and develop skills — but what happens after
we’re gone? What will remain of you when your voice is silent and your hands stop working?

The true Halal Hustler is not just someone who earns — he is someone who builds something
that outlives him. That is legacy. And Islam places heavy importance on this.

You weren’t put on earth just to survive. You were created to worship, to impact, and to leave a
footprint of goodness that benefits others long after you die.

Legacy Starts with Intention

Your business, your brand, your skill, your income — what’s the niyyah behind it?

●​ Is it to become famous?​

●​ To show off wealth?​

●​ To compete with others?​

●​ Or to serve Allah, serve people, and leave behind something meaningful?​

“And whatever you spend of good – it will be fully repaid to you, and you will not be
wronged.”​
— Surah Al-Baqarah (2:272)

Even a business that sells clothes can be a sadaqah jariyah if it creates jobs, funds orphans,
and feeds families.

Three Pillars of a Halal Hustler’s Legacy

1.​ Sadaqah Jariyah (Ongoing Charity)​

Give from what you earn. Build a well, sponsor an orphan, support a masjid, print
Islamic books. Every naira you give sincerely for Allah — it multiplies, even after your
death.​

2.​ Beneficial Knowledge​

Teach what you learn. Mentor youth. Share your business experiences. Write books
(like this one), create free content, or educate people around you — especially in halal
finance and life skills.​

3.​ Righteous Offspring or Community​

Raise your children or students with the deen, with skill, and with dignity. Teach them
that success is not money alone — it is submission to Allah with purpose.​

A Dua That Builds Legacy

“Allahumma aj‘alni miftah lil-khayr, wa khatiman lil-sharr, wa aj‘al li dhikran tayyiban

fi al-akhireen.”​
(O Allah, make me a key to goodness, a blocker of evil, and grant me a good
remembrance among those who come after me.)

Don’t Just Leave Money. Leave Meaning.

Anyone can leave behind cars, land, or buildings. But a Halal Hustler leaves:
 ●​ A path others can follow.​

●​ A mindset that changes generations.​

●​ A system of halal wealth that serves dunya and akhirah.​

You came into this world with nothing. When you leave, make sure you don’t leave with
nothing. Let people say, “He (or she) helped me. They inspired me. They reminded me of
Allah.”

In Summary:

●​ Hustle with a legacy mindset — not just for survival or show.​

●​ What you do with your wealth determines whether it lives beyond you.​

●​ Sincere intention, consistent sadaqah, and sharing knowledge are the keys.​

●​ Build wealth that pleases Allah and benefits humanity.

Final Reflection: Why This Book is Short — But Deep

We live in a generation of speed — fast videos, fast scrolling, short attention spans. Social
media has trained us to skim, not study… to glance, not grow.

That’s why this book is simple, straight, and sharp — not because knowledge is shallow, but
because we now need to package deep knowledge in a way people can digest. Each chapter is
short in size, but heavy in value — if you reflect and apply.

“Read in the name of your Lord who created.”​

— Surah Al-‘Alaq (96:1)

This was the first verse revealed to the Prophet Muhammad ‫ﷺ‬. It was not a command to
pray, or fast, or migrate — it was a command to READ. That alone tells you how important
knowledge is in Islam.

Don’t Let the Era Fool You

Don’t let TikTok teach you more than the Qur’an. Don’t let trends distract you from truth. Don't
let wealth keep you away from wisdom. Allah placed knowledge in books — and He placed
barakah in those who seek it with humility and sincerity.
Even if you read one page a day, with an open heart and action afterward, you’ll be ahead of the
crowd.

Final Summary: What It Means to Be a Halal Hustler

●​ Being a Halal Hustler is not just about making money — it’s about making meaning.​

●​ It means:​

○​ Using your skills to earn ethically.​

○​ Staying close to Allah through worship and dua.​

○​ Taking care of your health, time, and family.​

○​ Avoiding haram shortcuts, no matter how tempting.​

○​ Reading, reflecting, and always learning.​

○​ Leaving behind something that lives after you.​

“Indeed, the most honorable of you in the sight of Allah is the most righteous of
you.”​
— Surah Al-Hujurat (49:13)

Hustle smart. Hustle clean. Hustle for Allah. That is the Halal Hustle.
About the Author
A.A Tanko is a passionate Muslim entrepreneur, fashion designer, trader, and student of Islamic
knowledge. Raised with strong values of faith and hard work, he discovered early in life that the
path to financial freedom in this generation must be aligned with the principles of halal
earnings, mindset, and purpose.

Tanko is the founder of KontryMen, a fashion house known for unique embroidery designs that
reflect African culture and Islamic modesty. He is also a committed forex swing trader, known for
his strategy called MS-FIB (Market Structure + Fibonacci), which he teaches and trades in line
with halal finance.

His mission is clear: Build a legacy, create wealth ethically, and inspire others to live a life
of balance between ibadah and hustle. Through his books, teachings, and lifestyle, he strives
to remind his readers and followers that you can be close to Allah, financially free, and still live a
productive, meaningful life.

Gratitude
First and foremost, Alhamdulillah — all praise is due to Allah, the Provider of Rizq, the Turner
of Hearts, and the One who blesses our effort with barakah.

Special thanks to:

●​ My family, who never stopped believing in my dreams.​

●​ My big sister Rakiya Abubakar Tanko, whose tireless support, love, and
encouragement helped me through every phase of life. May Allah reward her immensely.​

●​ All my friends and supporters — your duas, feedback, and belief in my vision kept me
motivated.​

●​ Every reader of this book — may Allah guide you, bless your hustle, and make you a
source of benefit for others.​