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I am up to a bit over $20k passive income atm. Will be up to $30-40k passive by end of this financial year coming. When I hit $60k, i'll go hard on developments. Fingers crossed, I'm sure something will come up that will make the game more interesting. Will be knocking on a few of your...

My understanding is there are quite a few things you can do to hedge against sudden events. Options for one. I believe there is even insurance.

In the words of my mentor... "Why not do it now?". It's the whole Have => Do => Be vs Be => Do => Have. People are starting charities all the time, totally different skill set, you have to learn to both empower and inspire others to the cause.