Depending on the org you are donating to, you should be able to at least deduct it from your federal and depending on the state, state taxes as well.

I was able to donate what my parents were doing over 1.5 years in a single donation that way.

I got a couple of big bills to pay this month, but after that and my pay check another big chunk is going.

Could I use that money? Sure. But it’s a relatively small amount compared to rent/alimony and still leaves enough for me to be stable.

My bigger concern is how long it goes on. I haven’t calculated in increasing expenses.