The short answer, in my mind is this: Leave money to charity in your will. This is the money "left over" from your life that you cannot spend. You may need this money during your lifetime, but if you don't spend it, donate it to charity. There are many advantages to this strategy besides the primary one I just stated. For starters, since you are giving a large lump sum, you will be lauded and heralded as a great person and likely something named after you - or at least your generous sponsorship noted on the wall of donors, or NPR's "sponsorship" advertising bits. On the other hand, giving $10 a week barely qualifies you for a free tote bag.
"There is also this to be said. It is immoral to use private property in order to alleviate the horrible evils that result from the institution of private property. It is both immoral and unfair."