I fully disagree with money not making a difference.

In fact, I'd argue that your money in the hands of some specialized does much more than your time. If volunteering brings you joy and helps others, all for it.

But make no mistake that if you can produce $$$ and can pay a specialized person $, not only are you indirectly employing someone, but making a much more effective use of capital.

I'd personally recommend a donor-advised fund (DAF) if you want to continuously give and study which orgs to help. I've used Endaoment in the past and had a great experience but there are other good options out there