92:1 CONSIDER the night as it veils [the earth] in darkness,
وَاللَّيْلِ إِذَا يَغْشَى (92:1)
92:2 and the day as it rises bright!
وَالنَّهَارِ إِذَا تَجَلَّى (92:2)
92:3 Consider the creation of the male and the female!
وَمَا خَلَقَ الذَّكَرَ وَالْأُنثَى (92:3)
92:4 Verily, [O men,] you aim at most divergent ends!
إِنَّ سَعْيَكُمْ لَشَتَّى (92:4)
92:5 Thus, as for him who gives [to others] and is conscious of God,
فَأَمَّا مَن أَعْطَى وَاتَّقَى (92:5)
92:6 and believes in the truth of the ultimate good
وَصَدَّقَ بِالْحُسْنَى (92:6)
92:7 for him shall We make easy the path towards [ultimate] ease.
فَسَنُيَسِّرُهُ لِلْيُسْرَى (92:7)
92:8 But as for him who is niggardly, and thinks that he is self-sufficient,
وَأَمَّا مَن بَخِلَ وَاسْتَغْنَى (92:8)
92:9 and calls the ultimate good a lie –
وَكَذَّبَ بِالْحُسْنَى (92:9)
92:10 for him shall We make easy the path towards hardship:
فَسَنُيَسِّرُهُ لِلْعُسْرَى (92:10)
92:11 and what will his wealth avail him when he goes down [to his grave]?
وَمَا يُغْنِي عَنْهُ مَالُهُ إِذَا تَرَدَّى (92:11)
92:12 BEHOLD, it is indeed for Us to grace [you] with guidance;
إِنَّ عَلَيْنَا لَلْهُدَى (92:12)
92:13 and, behold, Ours is [the dominion over] the life to come as well as [over] this earlier part [of your life]:
وَإِنَّ لَنَا لَلْآخِرَةَ وَالْأُولَى (92:13)
92:14 and so I warn you of the raging fire -
فَأَنذَرْتُكُمْ نَارًا تَلَظَّى (92:14)
92:15 [the fire] which none shall have to endure but that most hapless wretch
لَا يَصْلَاهَا إِلَّا الْأَشْقَى (92:15)
92:16 who gives the lie to the truth and turns away [from it].
الَّذِي كَذَّبَ وَتَوَلَّى (92:16)
92:17 For, distant from it shall remain he who is truly conscious of God:
وَسَيُجَنَّبُهَا الْأَتْقَى (92:17)
92:18 he that spends his possessions [on others] so that he might grow in purity –
الَّذِي يُؤْتِي مَالَهُ يَتَزَكَّى (92:18)
92:19 not as payment for favours received,
وَمَا لِأَحَدٍ عِندَهُ مِن نِّعْمَةٍ تُجْزَى (92:19)
92:20 but only out of a longing for the countenance of his Sustainer, the All-Highest:
إِلَّا ابْتِغَاء وَجْهِ رَبِّهِ الْأَعْلَى (92:20)
92:21 and such, indeed, shall in time be well-pleased.
وَلَسَوْفَ يَرْضَى (92:21)
Verses again are simple and self explanatory. God swears by the most evident of his creation the day and night and humans male and female. He swears that we go in divergent way and he compared that who believed and did the good deeds and that he became arrogant disbelieved, turned the other way. For the first God will let him to the path of ease and for the second the path of hardship. Then he explain this hardship as a hellfire that waits for the first and is away form the second. He promised the second who grow his money through spending on poor by avoiding the hell and in fact he will be pleased. God could have mentioned in the verses the reward of heaven but if God says he shall be pleased the promise is very likely very high.
Those people who think the Quran is disconnect or shapeless either do not go deep in meanings or do not try to find the connection of the verses. The speaker is not Muhammad (PBUH) but God he is talking more to us than to him in these verses. Muhammad sayings as in Hadith is like my writings it is human and he speaks to the Muslims with no personal glory or trying to attain linguistic glory like the Quran does. Muhammad was inspired by the theme of his sayings by God but in Muhammad own words. If Muhammad was the author of the Quran unintentionally some of the sayings will have close resemblance to the Quran which has not been found.