I figure making myself one of the poor isn't helping others, and retirement/EF is preparing for the future..a time when I don't want to be in need of financial help....
Now if I happened to be one of the truly rich and famous...I might plan on giving well over the 10% because there is really no need to be able to spend a million a year to keep oneself out of the poor house!
I also personally feel money spent on service to be easier to justify (religion wise) than money spent on things....service helps the server, things mostly help big business and take up space in my house.
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