Not always are Zakat and sadaqa enough. I suggest everyone read the book التنمية و التخطيط للدكتور محمد إقبال الحضر
It's a great book. but is available in Arabic only. In it the author talks about use of money for economic development, when it is required for a Muslim to use all his wealth for useful purposes, etc. Very thought-provoking book.
A hadith says, save yourself from the Fire even by half a date.
basically meaning that if you only have 1 date and there is a hungry person, give half of it to that person. You don't say, well I have only 1 date so I don't have to give any to anyone else.
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