the physical capability. If, however, he does possess the financial means, he may deputize someone to perform the obligatory Hajj on his behalf.
Financial capability consists of having the transport that will convey him—whether a riding animal, a car, an airplane, or a ship, each era according to its circumstances—and enough money to secure that vehicle for the pilgrimage. He must also have provisions: food and travel expenses for the outward and return journeys. Those he supports must likewise have sufficient maintenance until he comes back to them. Thus, “provisions” means that he has what suffices him on the journey and suffices those he maintains—his children, his parents, his wife, and everyone whose upkeep is obligatory upon him. He must guarantee for them what will suffice them until his return, after first settling any debts he may owe; the money for Hajj must be surplus once those debts are cleared.
When these conditions are present, that is the “way”—“provisions and a mount”—as stated in the hadith of Ibn ʿAbbās (may Allah be pleased with him).
And whoever is unable—that is, whoever lacks both provisions and a mount—is not