I like the spirit of minimizing the chance of going broke instead of shooting for as much money as possible. At some point maybe you will reach a point where it

I like the spirit of minimizing the chance of going broke instead of shooting for as much money as possible. At some point maybe you will reach a point where it appears the chance of going broke is vanishingly small, and then it will be much easier to change to focusing on charitable contributions if that is important to you.