you (I assume) aren’t a deci-millionaire.

Having $100,000 in net worth (especially as an older adult) isn't that rare. 😀

Its those deca-millionaires that are close to (but not quite) in the 1%, and no I'm not one.

Maybe you would be if you invested that money instead of being generous with it.

For me, I'd still be well under $10m even with zero charitable contributions.

Its possible be under $10m net work and to donate/contribution tens of thousands of dollars per year without it being a meaningful hit against growth. Once you hit a certain point, the compounding of what you have does the work. This was my point.

If you started with $1m in the boring S&P500 10 years ago, that would be worth $4,446,735 today. Projecting forward, if you had $4m today with the same returns over the last year (probably unlikely after trump) you'd have $17,786,940 in 2036. Ten thousand dollars every year donated doesn't reduce that much.

you