The time of charity ?
It must be before death
یایها الذین ءامنوا انفقوا مما رزقناکم من قبل ان یاتی یوم لا بیع فیه ولا خلة ولا شفا surah albagharah عة والکافرون هم الظالمون –
254. O ye who believe! spend out of (the bounties) we have provided for you, before the Day comes when no bargaining (will avail), nor friendship nor intercession. those who reject Faith They are the wrong-doers.
وانفقوا من ما رزقناکم من قبل ان یاتی احدکم الموت فیقول رب لولا اخرتنی الی surah almonafeghin اجل قریب فاصدق واکن من الصالحین –
10. And spend something (in charity) out of the substance which we have bestowed on you, before death should come to any of you and He should say, "O My Lord! why Didst Thou not give me respite for a Little while? I should then have given (largely) In charity, and I should have been one of the doers of good".