إِنَّ لِكُلِّ أُمَّةٍ فِتْنَةً، وَفِتْنَةُ أُمَّتِي الْمَالُ
Translation: Every community has a trial, and the trial of my community is wealth.
Source: الترمذي
فِتْنَةً means a trial. Wealth tests honesty in earning, restraint in spending, generosity, and priorities. Deception, waste, neglect of others, and arrogance represent failures; lawful earning and the fulfillment of rights can turn resources into a means of good.
In لِكُلِّ أُمَّةٍ فِتْنَةً, the prepositional phrase precedes the delayed noun of inna. فِتْنَةُ أُمَّتِي forms an iḍāfah construction, and الْمَالُ serves as the predicate of the second nominal clause. A general principle is followed by a particular example.
This is not a claim that every wealthy person is sinful or that wealth itself is prohibited.