5 Years Post-Grad Give 1–3% of income annually ~$1,000–$3,000 per year 10 Years Post-Grad Give 3–5% of income annually ~$3,000–$7,000 per year Add one larger annual gift ($1–2k) 15 Years Post-Grad Give 5–7% of income annually ~$7,000–$15,000 per year Start a Donor-Advised Fund (DAF) 20 Years Post-Grad Give 7–10%+ of income annually $15,000–$30,000+ per year Establish a named fund or endowment Mentor younger donors / structured philanthropic strategy