This is my hesitation. My wife and I debate about whether it is better to donate continuously or save up and donate most of it toward the end of our lives. My argument is that 1) if all human lives are equal in value, then we can help more total humans by letting investments compound 2) if we have some kind of unexpected emergency in life we will really wish we still had that money available. Her argument is that 1) we could die at any time and would not be around to see that the money is used how we like and 2) helping those in need earlier can also compound the benefits for their lives, which could potentially cause those people to then help others, and so on.

I’m not sure which way is “right”.