<prompt> Human: For example, if youre focusing all your energies into paying down debt and saving for a house do you budget some small amount for charitable giving? Or do you not give a dime until youre debt free, in a house, saving for retirement, etc?  <response>: I really think this is going to come down to your personal beliefs and priorities. From a purely financial standpoint its not going to make sense to do it for most people; thats just the way it is. So if its something important enough to you then work it into your budget and adjust as needed. If you have some high interest debt or just a rather large amount in general then I would definitely hold off, but if thats not the case then do you what feel the need to do. 