This is the right advice. "What do I do with all this extra money I don't need" is not the way to think about it. Figure out a good way to collect all that mone

This is the right advice. "What do I do with all this extra money I don't need" is not the way to think about it. Figure out a good way to collect all that money and invest it in safe-ish mechanisms and guarantee a good future for yourself and your family. Plus, if you do the above, you still have the option to be charitable with your assets, but in an even more sustainable way than if you were to be charitable with the "extra" now because of the beauty of compounding.