Om Swami
What happens to money that I don't give away?
Money goes to giving or to spending
Being able to give is a very great grace of God. For one who cannot give, wealth goes in its second course, enjoyment and expense. Wealth is like water: held back by a light barrier, it comes out somewhere.
The second course of wealth is for the one who cannot give, on whom God has not bestowed enough grace to be able to give.