Give your surplus away willingly and without obligation; start with those who are dependent on you; practice moderation when giving charity so you don't cause yourself harm or hardship.

This hadith encourages us to give our surplus away, as it is better for us than keeping it. It also emphasizes the importance of starting with those who are dependent on us, such as family members or close friends. The Prophet Muhammad (s.a.w) taught that giving from the upper hand is better than receiving from the lower hand, meaning that giving charity should be done willingly and not out of obligation or guilt. This hadith also teaches us about moderation; we should not give away all our wealth but rather keep what we need and give away what we can spare without causing ourselves harm or hardship.