Be truthful and honest at all times. Have courage even when faced with difficult situations. Spend money wisely without being too frugal or wasteful.

This hadith is about the qualities of a believer according to the teachings of Prophet Muhammad (PBUH). It states that believers can be cowards and misers but not liars. Cowardice is when one lacks courage to do something due to fear while miserliness is being overly frugal with money or resources. Both of these qualities are allowed in Islam as long as it does not lead one to lie or commit any other sin. Lying however, is strictly prohibited in Islam as it goes against the teachings of truthfulness and honesty which are essential for any believer.