to tomin tihye
1) I’ve heard or read can’t remember, that a rav paskinded ppl should get rid of all debt (besides morgage and financed cars etc) before giving tzedaka
2) if a person has no money to give, he can give masser to a poor person who then gives “his masser” back to you. so the 2 of you gave masser but didn’t lose anything.
3) you can technically give yourself masser, although it’s the least preferred method
4) ppl don’t know this but, there is no chiav no give masser outside of Israel at all! as a matter of fact i don’t know if the promise of wealth would even apply.