23,000 for a year. tax free. >> so who should you donate to? let's talk to the guy who is not really homeless. we're talking about john stossel. good morning to you. >> good morning. >> are you suggesting that the people who are begging for money on the streets, we should not give them money? >> yes. it's not i who am suggesting that. the people who work with the homeless say don't give them money. it's a bad thing. you're an enabler. yoenabling their alcohol or drug habit and far better to -- if you really think they're for real and most are not, to try to help them get to one of the social service agencies. >> i think people do like seeing exactly where their money is going. this actually brings me to the next point. you say there are a ton of charities out there that really aren't putting the money where their mouth is, right? you have ones we should -- >> most of the money on fundraising and officers salaries. i give to charities that i can observe personally. but there are also -- which is one way to check.