The wealthy only are required to give in charity

Whoever gives in charity and he himself or his family are in need or in debt, the payment of debts has precedence over giving in charity or setting a slave free, or giving presents to others, for in this case his act of charity is not acceptable and that person has no right to waste the people’s property. And the Prophet (ﷺ) ﷺ said, “Allah will destroy the person who takes other’s wealth with the intention of wasting it.” But if one is known for his patience and prefers others to himself while he himself is in need, as Abu Bakr did when he gave all his property in charity, it is permissible. Similarly, the Ansar gave preference to the emigrants over themselves. And the Prophet (ﷺ) ﷺ had forbidden the wasting of wealth, so, a person has no right to waste other’s wealth, by spending it in charity. And Ka‘b (bin Malik) رضي الله عنه said, “I said to Allah’s Messenger ﷺ, ‘O Allah’s Messenger! As a part of my repentance I would like to give up all my property in the Cause of Allah and His Messenger ﷺ.’ He said, ‘You would better keep some of your property.’ On that I said, ‘I will keep my share that is in Khaibar.’”