What is the meaning of the statement, "If my mother had spoken, she would have given charity"?

The questioner : From his statement, "If she had spoken, she would have given charity," is it understood that if a miser who is greedy for wealth dies, it does not benefit the one for whom he gave charity?

The Shaykh : No, the Messenger (peace and blessings be upon him) said that it benefits her.

The questioner : Here, the Companion’s wording is, "If she had spoken, she would have given charity."

The Shaykh : He thinks so. That is, he says, "I want to do what she wanted and hoped for."