If I want to maximize what I can give to charity, it would make the most sense to just invest the charity money for my whole life and (in my will) have arrangements for someone else to take over the account when I die.

this makes sense in terms of numbers but i feel like not donating to charity all your life in order to make one big donation when youre dead means that the people youll donate to will be worse off now and theoretically better off later. if were assuming that charity is a money-to-good converter then like things will be Worse Later if you dont donate money now :???

as someone who has no jobs no hope no cash i would probably say either pledging the standard amount that a charity asks of you monthly - ie msf asks you to become a member for like $20nzd a month or something here - and donate individual lump sums to gofundmes or what have you as the need arises if you want that. the second option if you're Hard Core is to like, set aside a percentage of your paycheck and donate that money???