I don’t want to be all contrarian here, but what makes you think that your assumption “likely is” wrong. If I saw someone in their early 20's driving an Audi, I would assume that they probably come from some amount of money. It’s possible they’re some sort of a wunderkind who has a fancy job at that age that lets them…

If you were planning to donate to charity anyways, this allows you to deduct the full value of your investment, including any gains, without incurring the taxes you would otherwise pay when selling the investment. It doesn’t save you money over not donating at all and keeping the investment, it saves you money over…