Wealth should be divided into 5 types.
One portion is to be set aside for dharma, one portion is for one's own sreyas, one portion to be used to augment one,s current wealth, one portion to be used to run everyday life, the one portion is to help one's relatives. As classified by Sukracharya to mahabali.
There is a sanskrit verse which says wealth faces many challenges. A demand on money comes in the form of the need to give Diana. If one gives Diana one is saved from the other three demands on it. If you do not give Diana then your wealth will be taxed by rulers and will get depleted. Or one can get robbed etc. But one can give only if one ishealthy and makes sufficient for himself he who cannot help himself cannot help others.
A healthy tree can bear flowers and fruits for others.
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