while any charity requires some administrative overhead, money you spend on yourself can go 100% to your desired target.
This depends on the tax jurisdiction. Many places have some concept of tax deductibility for donations (or gift aid), which means money you spend on yourself can have higher overhead.
For example, say I earn an extra $100. If I choose to spend it on myself I need to pay $24 to the IRS, while if I choose to spend it on people who need it much more than I do I don’t have to give the IRS anything.
This depends on the tax jurisdiction. Many places have some concept of tax deductibility for donations (or gift aid), which means money you spend on yourself can have higher overhead.
For example, say I earn an extra $100. If I choose to spend it on myself I need to pay $24 to the IRS, while if I choose to spend it on people who need it much more than I do I don’t have to give the IRS anything.