Hillary and Bill earned every penny they have.

[Erich Bloodaxe BSN]

75. Again, hopefully so.

The more you can create local economic movement, the better. Fund people who want to try and start micro-businesses, selling to neighbours so they can afford tools and starting materials to make things with. Livestock, crafting tools, cloth, sewing machines, etc, etc, etc, focusing on things that don't require enormous amounts of starting capital.

I try to take a similar approach to Christmas gifts, when I can, actually. If I know someone I'm going to give a gift to is learning a skill or trying to run a small business, I tailor my gift to facilitate such. Foreign language books to a nephew trying to learn another language, credit at a silver wholesaler for a friend who does silversmithing. Learning new skills is almost never a waste of time.