exactly how i do it, and i make sure 50% of my professional life i’m sacrificing income to work for not for profits. i want my donation to be the most effective it can be, and making sure that people have roofs over their head isn’t going to happen with my spare change
and that all requires organisation, and organisation isn’t free - in fact the structures required to organise things like that are more expensive than the cost actually spent on the problem … you don’t just up and build houses - that’s not how any of this works… ask anyone that’s built a house, and they’re not even doing it on a large scale where complexity goes up significantly, or dealing with distributing money in a manner that they have to makes sure their expenditures are justified rather than just being able to make decisions for themselves