> giving now creates a habit of giving, and removes the temptation to spend savings which were originally intended to be donations. I've donated money, it didn

> giving now creates a habit of giving, and removes the temptation to spend savings which were originally intended to be donations. I've donated money, it didn't become a habit > The biggest drawback is that you may have the intention of giving money in the future, but you end up never doing it. Unless you put it into some guaranteed-for-charity vehicle like a Donor Advised Fund. This is a personal point whereas I was coming at it from just a numerical point. > Unless you put it into some guaranteed-for-charity vehicle like a Donor Advised Fund. Not familiar with this, but if it's a way to invest money while forcing the money to only be used for charity, then yes I'd consider that the optimal choice for anyone who for some reason is charitable but wouldn't want to give charity down the road