@MsMediator - thank you so much for starting this thread! It's been a fascinating read.
I understand completely about wanting to give money where it's needed most.
One thing I often ask God is, "Who are the needy?" Is someone with running water, electricity, and an indoor toilet really needy compared to people who don't have those things? Should I be donating to the people who have to walk 10 miles a day on foot and back to the local well instead of those who can just walk to the kitchen and turn on the tap?
Now of course, people in BOTH situations might be in dire need. For me, the question then became, what will be done with the resources once they get them?
I spent many years burning out by giving to people or causes in which I think most were on a perpetual cycle of irresponsibility. I started asking God to please direct me to a way of giving that would give me peace instead of agony over enabling further bad choices. I told him I wanted to start giving to people who were already giving to others.
Yes, on the outside, they might look "comfortable," but the people I know often started out with nothing and the only reason they have something is because if something comes to them, they hang on to it instead of buying the latest phone, always eating out, trends, etc.
One of the families on my "giving list" is a lifelong friend who, despite having a family of her own, is always "adopting" people. Her family has "adopted" a widow they know at their church who is also caring for an adult disabled grandchild. My friend and her family call them several times a week, take them home-cooked meals, visit them regularly, and invite them to family outings.
I was visiting once and took her kids to a store (they were around 8-12 years old,) told them I was proud of them for how much they help others, and gave each one an allowance to buy whatever they wanted.
At the end of the "shopping spree", each child walked up to me with nothing in hand. "Aunt Seoul," they said, "thank you very much, but we just didn't see anything we wanted or needed."
This is why I would choose to give to such people as my friend. Her and I have been talking about how best to save money and use our resources in a God-directed way since we got our first jobs. She lives out her beliefs -- and she's teaching her children to do the same. They would rather help others they know than spend on themselves. Unlike some people I've tried to help in the past, they also have the sense of responsibility and knowledge of how to save in order to give effectively.
I am confident that anything I give to this family is further used to help other people. I can't be sure of this with others I've given to in the past.
Of course, I'm not saying that every person in need isn't and won't be responsible if they get on their feet -- NOT at all. But I've just ran into this so many times that I told God I'd have to stop giving because I didn't have any peace about it. Once He started directing me to try to help responsible givers, I've had a much healthier spirit.
I often think of the story in the Bible of the talents, and how the person who was given 10 talents was also given the 1 talent from the person who did nothing with it. Even the other servants said, "But this guy already has 10, why give him more?" And yet, God decided to give it to the one who had the most.
I'm surely not saying that this will always be the case, and I could be wrong -- but one of the lessons I took from this story is that God is looking to give to those know how to make the best use out of what they have -- because He knows it will be given on to others.