It’s not as if I/we are saying to let them fend for themselves on the street. But there are thousands of tzedakas that need our money. Every month my husband and I give maaser money to a Jewish orphanage in israel, chickens for shabbos, tomchei shabbos where we love, and to one of his rebbes yeshivas. We could possibly fall under the category of not having to give based on our incomes since we are really struggling but we give because we know there are people who are in need more than us, and Hashem will always take care of us. I would much rather my money go to people who actually need it for food, clothing, yeshivas in need of funds etc. I can’t understand an argument saying that it is better for the money to go to one persons mortgage so they can continue their lavish lifestyle.
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