The Principles of Rizq: What the Great Thinkers Got Right (and What They Missed)

The Weary Heart #24

Oct 06, 2025

I’ve always been fascinated by how the world defines success.
Dale Carnegie wrote about winning friends and influencing people. (one of the first books on personal development that I bought and read with my own money - I was 18!)
Napoleon Hill spoke about thinking and growing rich.
Earl Nightingale described success as “the progressive realisation of a worthy ideal.” (he introduced me to Napoleon Hill’s work)
Adam Smith called self-interest the invisible hand that moves prosperity from his famous work, The Wealth of Nations.

Their ideas changed the world.
But something about them always felt incomplete.

Because while they spoke of wealth, few spoke of rizq.
And rizq in its truest sense, is wealth with wisdom, gain with grace, and provision that nourishes not just your pocket, but your soul.

The formula for success that forgets the Source

I used to devour books on personal finance and self-help.
They all repeated the same mantra: You are the master of your destiny.

Work harder.
Visualise success.
Set goals.
Manifest abundance.

And while these lessons have undeniable value, they also carry a dangerous illusion -
that you are the ultimate author of your story. These teachings are often void of God.

In Islam, we are taught the opposite.
You strive, yes.
But you don’t control the outcome.
You prepare the soil - and Allah decides which seeds grow.

“And there is no creature on earth except that upon Allah is its provision.”
(Surah Hud, 11:6)

That’s the difference between wealth and rizq:
Wealth is pursued; rizq is received.
You can chase it, but only He can decree it.

What Hill and Nightingale got right

Napoleon Hill famously wrote: “Whatever the mind can conceive and believe, it can achieve.”
There’s truth there because belief shapes behaviour.
It’s not far from what the Prophet ﷺ taught when he said:

“If you ask, ask of Allah. If you seek help, seek help from Allah.”
(Tirmidhi)

The greatest form of belief isn’t in yourself - but in your Lord.
Faith is the ultimate mindset training.

Earl Nightingale’s definition of success: “the progressive realisation of a worthy ideal”, beautifully mirrors the Islamic principle of niyyah (intention).
Success isn’t only in the result. It’s in moving, step by step, towards a goal that pleases Allah.

The difference?
Their “worthy ideal” often ends in self-glorification.
Ours ends in humble submission.

The missing ingredient: Barakah

Adam Smith as one of the early thinkers of economics believed in the invisible hand that guides markets.
Muslims believe in an even more powerful invisible force - barakah that comes from Allah.

Barakah is that inexplicable blessing that makes a little go a long way.
It’s when ten dollars feel like a hundred,
when your business thrives without advertising,
when your time expands beyond logic,
and when peace fills the spaces where anxiety used to live. Barakah.

Barakah doesn’t come from the market.
It comes from the Giver of Markets.

“And if only the people of the towns had believed and feared Allah, We would have opened for them blessings from the heavens and the earth.”
(Surah al-A‘raf, 7:96)

No economist has ever managed to model that in a spreadsheet.

Carnegie’s charm and the ethics of earning

Dale Carnegie taught us that people do business with those they like and trust.
In Islam, that principle was taught centuries earlier - but not as a strategy.
It was a character.

The Prophet ﷺ was nicknamed Al-Amin, the trustworthy, long before he ever preached.

His honesty was not a tactic; it was his truth.

We don’t earn people’s trust to sell more;
we earn it because it’s a haqq (a right) owed to them.

If Carnegie said, “Give honest appreciation,”
Islam says, “Give honest dealings.”
If Carnegie said, “Smile,”
Islam said it first, and called it charity.

To be honest, when I connected the dots between all the personal development books I read and all the Quranic verses and Hadiths I’ve learned and memorised, I got multiple “aha” moments. It blew me away. Islam had come taught us these priceless models and values to live by, many of us have just missed them or had not tried hard enough to relate it back to our present day life.

Adam Smith’s self-interest and Islam’s self-accountability

Adam Smith wrote that pursuing one’s own gain ultimately benefits society.
But unchecked self-interest leads to greed, inequality, and burnout.

Islam doesn’t deny the drive for self-interest, it refines it.
It tells you: Pursue your rizq, but purify your intention.

You don’t seek wealth to dominate; you seek it to contribute.
You don’t chase profit to consume; you chase it to circulate.

When the Prophet ﷺ said,

“The upper hand is better than the lower hand,”
(Bukhari & Muslim)
he wasn’t promoting capitalism.
He was promoting capability - the ability to give, sustain, and empower others.

That’s self-interest with self-accountability.

The unseen variables of rizq

Modern success literature teaches us about mindset, productivity, networking, and persistence.
All crucial, but none complete.

Because rizq includes factors no algorithm can measure:

The du’a of a parent whispered at dawn.
The charity you gave when no one was watching.
The repentance that reopened a closed door.
The prayer that realigned your provision with your purpose.

These are the “unseen variables” of wealth -
what the economists call luck, we call qadr.
What they call timing, we call tawakkul.

What Islam adds to the equation

The great thinkers taught how to get.
Islam teaches how to give.

They taught how to grow.
Islam teaches how to purify.

They taught how to achieve.
Islam teaches how to align.

Because in Islam, the goal isn’t accumulation - it’s elevation.
Money is a servant, not a master.
A tool, not a trophy.
A means, not the meaning.

Your rizq was written before you were born.
But your relationship with it is being written every day, through your honesty, humility, gratitude, and generosity.

Three timeless principles of rizq

Effort is your test; outcome is His mercy.
Work hard, but remember: rizq doesn’t arrive faster through anxiety, nor slower through calm. It arrives on time. Every time.
Character multiplies wealth.
Be the person people can trust - not because it converts better, but because it counts in the sight of Allah.
Integrity is the first form of investment.
Circulation is preservation.
What you give doesn’t leave your life; it leaves your hands and grows in His.
The Prophet ﷺ said, “Charity does not decrease wealth.” - a truth no economist can quantify.

In the end, maybe the great thinkers weren’t wrong.
They saw the principles, which was cause and effect, effort and reward.
They just didn’t see the Source.

You can master the laws of success.
But the secret of rizq lies in knowing The Lawgiver.

So work like it depends on you.
Pray like it depends on Him.
And live as though everything you have - and everything you’ll ever need - is already written.

Because it is.

God bless,

Mizi

PS: I feel like I should write a book on this…