It's good to donate a percent to a charity (I think charities where you personally know people working for them are best). It's also very important to make sure

It's good to donate a percent to a charity (I think charities where you personally know people working for them are best). It's also very important to make sure you have money set aside for retirement or emergencies (even if you have a surplus). You may have children, your parents may need care, your small business may be disrupted, and it's good to have something to fall-back on or use if you need a runway or to invest some money into a new business.