Questioner: What do you mean by 'surplus?'
Dadashri: A 'surplus' is when you give and you do not have to worry about it the next day. Only give if you think that you will not encounter any financial difficulties for the following six months or so, otherwise do not give. In fact if you do give here, you will not face any difficulties. Everything will be taken care of. This work is for God. Everything falls into place for whoever does this work. Despite this, I still have to caution you! Why would I tell you to do something that is futile? I warn you for your own good. What you are enjoying in this life is a result of what you gave in your past life. Whatever you give in this life, you will receive back in your next life. All this is your own overdraft (punyas for next life); I have nothing to do with it. All I am doing is helping you put it to good use. In this life you are reaping the benefits of what you gave in your past life. It is not because of your intelligence, it is because of your punya. You can only reap you have sown!
Invest All Excess Money In Charity
People perpetuate the worldly ways by doing what the world is doing. A Gnani would ask, "Why are you jumping in this hole (life after life of misery) that wastes your hard earned money?" People climb out of a hole full of misery and fall into a hole full of money. Donate whatever excess money you have towards a charitable cause because money that is sitting in the bank will be of no benefit to you. If you donate your money you will not encounter any obstacles; if you give it to charity, it will be credited to your account (karmic account).
Book Name: Noble Use of Money (Page #52 Paragraph #3 & #4, Page #53 Paragraph #1, Page #5 Paragraph #4, Page 6 Paragraph #1)