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"I still don't feel like I'm at the stage where we can afford to" -- just... wow.

It sounds you may be lacking perspective. I highly recommend visiting the poorest places of your own city, much less the poorer countries of the world. You might be surprised at the effect it will have on you; I know it does me every time.

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I don't feel I lack perspective. I'm well aware of how blessed we are relative to other people in the world or even in my immediate area. I just feel like my time to donate is later, when I'm financially more comfortable, rather than now. Is there a reason why you feel I should be donating now rather than later?

My reason would be that donating makes you feel richer. It's not about the amount but making a habit of feeling like you have at least some resources to help other people.

You say you don't donate because you don't feel rich, but maybe you don't feel rich precisely because you don't donate.

If you don't feel rich, you're probably doing all kinds of other things to sabotage your financial success that are more than canceling out the cost of a little charity here and there.

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