Krupanena samo daataa na bhooto na bhavishyati
No donor greater than a miser was ever born or will be born in the future. Because he donates everything without touching.(on his death.) he fulfills the criterion that what one hand gives the other hand should not know.
On death you leave everything behind. Even your dear body does not accompany you.without hands how will you carry your money?
Give until it hurts , says Mother Theresa. Donate as much as you can where you have hands still. Punya will follow you. Encash it in next birth/s.