Philanthropy 101- Your gift matters

(א) כָּל עִיר שֶׁיֵּשׁ בָּהּ יִשְׂרָאֵל חַיָּבִין לְהַעֲמִיד מֵהֶם גַּבָּאֵי צְדָקָה אֲנָשִׁים יְדוּעִים וְנֶאֱמָנִים שֶׁיִּהְיוּ מַחְזִירִין עַל הָעָם מֵעֶרֶב שַׁבָּת לְעֶרֶב שַׁבָּת וְלוֹקְחִין מִכָּל אֶחָד וְאֶחָד מַה שֶּׁהוּא רָאוּי לִתֵּן וְדָבָר הַקָּצוּב עָלָיו. וְהֵן מְחַלְּקִין הַמָּעוֹת מֵעֶרֶב שַׁבָּת לְעֶרֶב שַׁבָּת וְנוֹתְנִין לְכָל עָנִי וְעָנִי מְזוֹנוֹת הַמַּסְפִּיקִין לְשִׁבְעָה יָמִים. וְזוֹ הִיא הַנִּקְרֵאת קֻפָּה:

(1) Any city in which there is a Jewish community is obligated to raise up collectors of tzedakah, people who are well-known and trustworthy, to go door-to-door among the people from Sabbath eve to Sabbath eve and to take from each and every one what is appropriate for them to give. [The amount] should be a set and clear matter for each person. They also distribute the money from Sabbath eve to Sabbath eve and give to each and every poor person enough food to last them for seven days. This method is called the kupah [the "coffer" for the charity fund].163For laws 1-12, see Babylonian Talmud Bava Batra 8a-11b in addition to the citations listed below.

What is required of a Jewish community?

ולכל מילי מי בעינן י"ב חדש והתניא שלשים יום לתמחוי שלשה חדשים לקופה ששה לכסות תשעה לקבורה שנים עשר לפסי העיר אמר ר' אסי אמר ר' יוחנן כי תנן נמי מתניתין שנים עשר חדש לפסי העיר תנן: וא"ר אסי אמר ר' יוחנן הכל לפסי העיר ואפי' מיתמי אבל רבנן לא דרבנן לא צריכי נטירותא אמר רב פפא לשורא ולפרשאה ולטרזינא אפילו מיתמי אבל רבנן לא צריכי נטירותא כללא דמילתא כל מילתא דאית להו הנאה מיניה אפילו מיתמי

The Gemara asks: And do we require that one live in a city for twelve months for all matters? But isn’t it taught in a baraita: If one lives in city for thirty days, he must contribute to the charity platter from which food is distributed to the poor. If he lives there for three months, he must contribute to the charity box. If he lives there for six months, he must contribute to the clothing fund. If he lives there for nine months, he must contribute to the burial fund. If he lives there for twelve months, he must contribute to the columns of the city [lepassei ha’ir], i.e., for the construction of a security fence. Rabbi Asi said that Rabbi Yoḥanan said: When we learned twelve months in the mishna, we learned that with regard to contributing to the columns of the city, money used for protecting and strengthening the city, but not for other matters. And Rabbi Asi says that Rabbi Yoḥanan says: All are required to contribute to the columns of the city, and money is collected for that purpose even from orphans. But the Sages are not required to contribute, since the Sages do not need protection. Rav Pappa said: Money is collected even from orphans for the city wall, for the city horseman, and for the guard [uletarzina] of the city armory, but the Sages do not require protection. The principle of the matter is: Money is collected even from orphans for anything from which they derive benefit.

What underlying principle(s) are used here to determine one's charitable responsibility?

(ב) וְכָל הָרוֹאֶה עָנִי מְבַקֵּשׁ וְהֶעֱלִים עֵינָיו מִמֶּנּוּ וְלֹא נָתַן לוֹ צְדָקָה עָבַר בְּלֹא תַּעֲשֶׂה שֶׁנֶּאֱמַר (דברים טו ז) "לֹא תְאַמֵּץ אֶת לְבָבְךָ וְלֹא תִקְפֹּץ אֶת יָדְךָ מֵאָחִיךָ הָאֶבְיוֹן":

(2) Anyone who sees a poor person begging and averts his eyes from him and does not give him tzedakah transgresses a negative mitzvah, as it is said, (Deut. 15:7) [If, however, there is a needy person among you, one of your kinsmen in any of your settlements in the land that the LORD your God is giving you,] do not harden your heart and shut your hand against your needy kinsman.

How might this approach change your relationship to tzedakah?

(ה) בָּא הֶעָנִי וְשָׁאַל דֵּי מַחֲסוֹרוֹ וְאֵין יַד הַנּוֹתֵן מַשֶּׂגֶת נוֹתֵן לוֹ כְּפִי הַשָּׂגַת יָדוֹ וְכַמָּה עַד חֲמִישִׁית נְכָסָיו מִצְוָה מִן הַמֻּבְחָר. וְאֶחָד מֵעֲשָׂרָה בִּנְכָסָיו בֵּינוֹנִי. פָּחוֹת מִכָּאן עַיִן רָעָה. וּלְעוֹלָם לֹא יִמְנַע עַצְמוֹ מִשְּׁלִישִׁית הַשֶּׁקֶל בְּשָׁנָה. וְכָל הַנּוֹתֵן פָּחוֹת מִזֶּה לֹא קִיֵּם מִצְוָה. וַאֲפִלּוּ עָנִי הַמִּתְפַּרְנֵס מִן הַצְּדָקָה חַיָּב לִתֵּן צְדָקָה לְאַחֵר:

(5) If a poor person comes and asks for what is sufficient to fill his needs and one does not have the means to provide it for him, one gives according to his means. How much is this? One-fifth of one's assets is the best possible way, but one-tenth is the usual way. Less than this is a bad sign, and never should one restrain himself from a third of a shekel a year. Anyone who has not given at least this much has not fulfilled the mitzvah.132See Babylonian Talmud Bava Batra 9a. Even a poor person who lives on tzedakah is obligated to give tzedakah to another.133See Babylonian Talmud Gittin 7b.

How much might I contribute?

(יג) עָנִי שֶׁהוּא קְרוֹבוֹ קֹדֶם לְכָל אָדָם. עֲנִיֵּי בֵּיתוֹ קוֹדְמִין לַעֲנִיֵּי עִירוֹ. עֲנִיֵּי עִירוֹ קוֹדְמִין לַעֲנִיֵּי עִיר אַחֶרֶת. שֶׁנֶּאֱמַר (דברים טו יא) "לְאָחִיךָ לַעֲנִיֶּךָ וּלְאֶבְיֹנְךָ בְּאַרְצֶךָ":

(13) A poor person who is a relative takes precedence over anyone else. The poor of one's household take precedence over the poor of one's city. The poor of one's city take precedence over the poor of another city, as it is said, (Deut. 15:11) Open your hand to the poor and needy kinsman in your land.141See Babylonian Talmud Bava Metzia 71a. A new principle becomes present here. As opposed to giving agricultural produce, which was on a strict "first-come, first-serve" basis, family and community relationships now dictate the giving of tzedakah.

How might I prioritize my philanthropic dollars?