Hi
You are welcome.
I take nature as the model. Life goes through cycles. In abundance years, animals and wise human invest/save part of it. With that model, the lean years don't affect you as those whom spend/use all get now.
Part of my abundance is having financial freedom. That means for me, passive investments that produce growth &/or income that adds to my abundance. Total financial freedom comes for me when I don't have to work ever again because my passive income exceeds my lifestyle desires.
Personally, if say I give away 5%, then that means I'm also dedicating 5% to my play account that isn't part of my normal living money.
