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What it takes to be a giver/philantropist is just a heart of gold. Yes of course, anyone who bears a heart of gold within him/her is bound to be generous/philantropic. Do you have a heart of gold or not? If Yes, do you have anything to show for it? If No, then you've got to acquire it (a heart of gold). Because, it pays to be generous/philantropic. Besides, no one has ever become poor just because of giving. And so, bet me you yourself can't become poor by the reason of giving generously to someone else/others i.e. anyone/those who you are better off.