Keeping money for yourself can be thought of as a [small] charity

Oh, interesting. I assumed the reason I keep anything beyond the bare minimum to myself is that I'm irrationally keeping my own happiness and the well-being of strangers as two separate, incomparable things. I probably prefer to see myself as irrational compared to seeing myself as selfish.

The concept I was thinking of (but didn't quite remember) when I wrote the comment was Purchase Fuzzies and Utilons Separately.