Even one who gives charity from funds he received without having to expend any personal effort, such as inheritance or allowance money, is still regarded as though he has given his vital soul to God.
For the truth is that the source of the funds is immaterial.
Since this money can be used to buy something, its possessor can potentially purchase anything necessary for his livelihood, so if he gives this money to charity, he is giving his soul’s life to God.
Thus, the mitzva of charity entails more than a simple, isolated act of giving some money.
Rabbi Adin Steinsaltz