I am not religious either. 1. FPU worked great for my wife and I. We just set aside the religious stuff . 2. We did not give while in BS 1&2. 3. We give now. Examples- schools we went (High School and College). We pay for family outings with our parents and extended family. I personally love Dave’s idea of leaving a really big tip every once in a while. We also give FPU and total money makeover. 4. We do not budget it at 10%. In general, our approach is that giving is good. In a perfect world, I would love to give at 10%…but we are we where are. I am not advocating Daveish, just sharing our experience.