I apologize for being unclear in my description. At the moment, after all my bills I have money left over. This implicitly goes toward retirement. So it wouldn't be slighting my family to give some more to charity. I also have enough saved to semi-retire today (e.g. if I chose to move to a cheap area I could live like a lower-middle class person on my savings alone), and my regular 401K contributions (assuming I don't retire) would mean that I'll have plenty of income if I retire at 65 or so.