This is my plan. I guess it sounds greedy but until I have $10 million+ in the bank, I don't think I'd ever donate any large amounts to charities. I need to make sure my own future is secure: that I can continue to live a regular (reasonable) life regardless of disability, and that I can afford healthcare that may wind up costing millions of dollars. That money is also useful for the ability to, in a small way, afford to fight for my legal rights if needed, since those legal fees can easily cost millions.

If I lived in a society with socialized, efficient, good healthcare, a guaranteed standard of living for everyone, and a legal system that provided competent, free legal assistance, I would have no problem giving a big chunk of every paycheck to charities. Until then, I have no guarantee I won't become seriously ill tomorrow, blow through my meager 5 digit savings in less than a week in a hospital (even with insurance), and then die on the streets hungry and disabled.

At the same time, this kind of society drastically reduces the need for local charity at least.