I would not donate to charities as I would like to see the money help people and animals directly. As well intentioned as some are, several have leadership making more than I think someone should make for running a charity. I would get a list of things a charity I wish to support needed and then find the best price for those things in order to make the donation stretch as far as it could go. Maybe buy a large parcel of land and open up a shelter for abandoned animals staffed by volunteers and animal lovers. Would also buy an old Walmart for the car collection I would buy and a room dedicated to building models. As far as my life, I hope it would be pretty much the same as I view money as a tool to get things done. I would just have a lot bigger toolbox.