How to pay it forward ?

I ended up with a fair amount of cash last year because I did not gamble during the pandemic. I made significant contribution to NPR and PBS because I spent more time with their programs during the pandemic. I also gave some cash to my relatives who are under 65 years since they have not had been as fortunate as I have been by being born earlier and getting all the benefits from the high rate of unionization during my working years.

I am not suggesting that my choices would be the best for you.  It is your money and your choice.