I believe that "giving large amounts of money without consideration" in this context does not include the part that you need for the financial independence.
In other words, if you need X money to be financially independent, and you have X+Y, you are free to spend up to Y in whatever way you wish, including e.g. donating the whole Y to a charity or investing them in a new project, even if for an average person spending Y this way would seem insane.
if you need X money to be financially independent, and you have X+Y
If you're making money with the goal of being financially independent you're done when you have X so you can and should stop. Where does Y come from?
If it's worth saying, but not worth its own post (even in Discussion), then it goes here.
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