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Surah 3. Aal-Imran, Ayah 180

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وَلَا يَحْسَبَنَّ ٱلَّذِينَ يَبْخَلُونَ بِمَآ ءَاتَىٰهُمُ ٱللَّهُ مِن فَضْلِهِۦ هُوَ خَيْرًا لَّهُم ۖ بَلْ هُوَ شَرٌّ لَّهُمْ ۖ سَيُطَوَّقُونَ مَا بَخِلُوا۟ بِهِۦ يَوْمَ ٱلْقِيَـٰمَةِ ۗ وَلِلَّهِ مِيرَٰثُ ٱلسَّمَـٰوَٰتِ وَٱلْأَرْضِ ۗ وَٱللَّهُ بِمَا تَعْمَلُونَ خَبِيرٌ
Wal a ya h sabanna alla th eena yabkhaloona bim a a t a hummu All a hu min fa d lihi huwa khayran lahum bal huwa sharrun lahum sayu t awwaqoona m a bakhiloo bihi yawma alqiy a mati walill a hi meer a thu a l ssam a w a ti wa a lar d i wa A ll a hu bim a taAAmaloona khabeer un
AND THEY should not think - they who niggardly cling to all that God has granted them out of His bounty - that this is good for them: nay, it is bad for them.138 That to which they [so] niggardly cling will, on the Day of Resurrection, be hung about their necks: for unto God [alone] belongs the heritage of the heavens and of the earth; and God is aware of all that you do.
  - Mohammad Asad

This is an allusion to the way of life of the unbelievers mentioned in verse {179} above: a way of life characterized by extreme attachment to the material things of this world - a materialism based on a lack of belief in anything that transcends the practical problems of life.

Let not those who are niggardly in giving for charity from what Allah has blessed them with, think that it is good for them: nay it is very bad for them. All the wealth they hoarded with niggardly behavior will be hung around their necks like a collar on the Day of Resurrection. It is Allah who will inherit the heavens and the earth. Allah is well aware of all your actions.
  - Muhammad Farooq-i-Azam Malik
And do not let those who 'greedily' withhold Allah's bounties think it is good for them- in fact, it is bad for them! They will be leashed 'by their necks' on the Day of Judgment with whatever 'wealth' they used to withhold. And Allah is the 'sole' inheritor of the heavens and the earth. And Allah is All-Aware of what you do.
  - Mustafa Khattab
And let not those who hoard up that which Allah hath bestowed upon them of His bounty think that it is better for them. Nay, it is worse for them. That which they hoard will be their collar on the Day of Resurrection. Allah's is the heritage of the heavens and the earth, and Allah is Informed of what ye do.
  - Marmaduke Pickthall
And let not those who covetously withhold of the gifts which Allah hath given them of His Grace think that it is good for them: nay it will be the worse for them: soon shall the things which they covetously withheld be tied to their necks like a twisted collar on the Day of Judgment. To Allah belongs the heritage of the heavens and the earth; and Allah is well acquainted with all that ye do. 483 484 485
  - Abdullah Yusuf Ali

The gifts are of all kinds: material gifts, such as wealth, property, strength of limbs, etc., or intangible gifts, such as influence, birth in a given set, intellect, skill, insight, etc., or spiritual gifts of the highest kind. The spending of all these things (apart from what is necessary for ourselves) for those who need them, is charity, and purifies our own character. The withholding of them (apart from our needs) is similarly greed and selfishness, and is strongly condemned.

By an apt metaphor the miser is told that his wealth or the other gifts which he hoarded will cling round his neck and do him no good. He will wish he could get rid of them, but he will not be able to do so. According to the Biblical phrase in another connection they will hang like a millstone round his neck (Matt. xviii. 6). The metaphor here is fuller. He hugged his wealth or his gifts about him. They will become like a heavy collar, the badge of slavery, round his neck. They will be tied tight and twisted, and they will give him pain and anguish instead of pleasure. Cf. also xvii. 13.

Another metaphor is now introduced. Material wealth or property is only called ours during our short life here. So all gifts are ours in trust only; they ultimately revert to Allah, to Whom belongs all that is in the heavens or on earth.

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