To get back to your original question

– I’d love to take the money going towards our debt snowball (when that’s done of course) and just give it to random people. There is a woman at work who I know is struggling so would love to help — but then I feel like I KNOW she doesn’t manage the money she does have well, so any money I gave her would just get misused. But to just be able to randomly give her a $50 gas card….

Or, for my single, social worker sister, to just call up her mortgage company and make a month’s payment for her — or sponsor a child in Africa in her name anonymously.