Yes, it is right.
A person is required to give 10% of his income to tzedaka. He can even go as high as 20% if he likes. Beyond that, he is not required to go at all.
Using your logic, no one should ever spend a cent on any discretionary item, since there is *always* someone in the neighborhood who doesn’t have food for Shabbos, can’t get the funds for yeshiva tuition, needs money to marry off a child, etc.
The Wolf