The believer, man or woman, will continue to be tested concerning his or her self, children, and property until they meet Allah without any sins in their record

The Prophet (may Allah's peace and blessings be upon him) informs that trials and tests do not depart from the believing men and women - in their selves, including their health and body; in their children, such as illness, death, disobedience, or other things; and in their wealth, such as poverty, loss of trade, theft, poor living conditions, and little sustenance - until Allah expiates all their sins and misdeeds through that trial. Thus, when they meet Allah, they will have been purified from all the sins and misdeeds they perpetrated.

1. An aspect of Allah’s mercy toward his believing servants is that He expiates their sins by afflicting them with calamities and plights of this world.
2. A mere affliction expiates sins, provided there is Imān. If a person exhibits patience and does not become discontent, he will be rewarded.
3. A Muslim is encouraged to be patient in all matters, both pleasant and unpleasant. He should be patient in order to carry out Allah's commands and be patient in order to avoid His prohibitions, hoping for Allah's reward and fearing His punishment.
4. In the phrase "the believer, man or woman", he added the word 'woman' to put more emphasis regarding women; otherwise, if he had said "the believer" only, this would have also included women, for this matter is not restricted to men. So, if an affliction befalls a woman, she is also promised the same recompense of expiating her sins and misdeeds.
5. What alleviates the pains suffered by a person time after time is the merit he obtains as a result of the affliction.

سنن الترمذي (4/ 204) (2399). مسند أحمد (13/ 248) (7859). بهجة الناظرين شرح رياض الصالحين، لسليم الهلالي (1/ 113). تطريز رياض الصالحين، لفيصل آل مبارك (ص51). شرح رياض الصالحين، لابن عثيمين (1/ 273). نزهة المتقين شرح رياض الصالحين، لمجموعة من الباحثين (1/ 80).