Siman 241

It is stated in Niddah (17a): "There are four things that the Holy One, Blessed be He, hates: one who enters his house suddenly, and it goes without saying the house of his fellow; one who holds his organ and urinates; one who urinates naked before his bed; and one who cohabits before any living creature." And urinating naked before his bed is not specifically while naked, but rather it teaches the common way of the matter, for since he is naked he is too lazy to go outside (Magen Avraham, subsection 1). And "urinates" means on the ground.

And so we say in Shabbat (62b): One who urinates naked before his bed comes to poverty, for the demon of poverty is named Naval, and in every place where he finds a soiled place and one without cleanliness, he dwells there. And specifically when he turns his face toward the bed, but if he turns his face outward - we have no concern with it, for the stream goes outward. And specifically when he urinates on the ground, but when he urinates into a vessel - we have no concern with it. And a talmid chakham must invert a vessel over it or urinate into the vessel, so that it will be permitted to meditate on words of Torah, for it is impossible for a talmid chakham to be without meditation on Torah. (And they wrote that one who trims his nails in order also comes to poverty, and they wrote this in the name of the Abudraham and in the name of the sages of France and Provence, cited in the Atteret Zekenim).

The Tur wrote: "There are pious men and men of action who would be stringent upon themselves and immerse for their seminal emissions in order to pray, but this is an excessive stringency, for even according to the Rif, who wrote that some require immersion for prayer, it is not specifically immersion but rather washing with nine kabin.” And I have written above that neither immersion nor washing is required, and this has already been explained in siman 88, and one who is stringent, a blessing shall come upon him. The Tur further wrote: that before the morning shines, he should hasten to rise with alacrity for the service of the Creator, may He be exalted, and the morning should not wake him, but rather he should wake the morning, and it was explained in siman 1.