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 Charity, as we have seen, begins at home, and it rather forbids us to prefer the needs of outsiders to our own and to the needs of our family. We are, as a general rule, only bound to give alms out of our superfluity, " That which remaineth give alms." Some theologians maintain that this precept imposes an obligation of giving all one's superfluous wealth to the poor; but others hold that this is only of counsel, that the precept is a general one directed to all the rich, and that it will be fulfilled if each gives something of his superfluity so that the necessities of the poor may be relieved by the common contributions of all. How much must be given according to this opinion depends upon circumstances, and is better left to the judgement of a prudent man after due consideration of all the circumstances of the case.

4. When our neighbour is in extreme or almost extreme necessity we are under a grave obligation of helping him even out of what is necessary to support our position in life, provided that it can be done without impoverishing ourselves or being compelled to give up our reasonable and justly acquired style of living. We are not obliged to pay large sums of money to ransom a captive from the hands of bandits, or to send a sick pauper to the Riviera for the winter; we should not be obliged to take such extraordinary means even to preserve our own life.

5. We are also under a grave obligation, according to the common teaching of divines, of helping the poor who are in grave necessity out of our superfluity. It is difficult to reconcile the words of Holy Scripture with any more lenient doctrine on this point. However, we should be slow to decide that in any particular case a rich man has sinned mortally by refusing to help one in grave necessity. For although there be a grave obligation occasionally to help the poor in serious want, it cannot be concluded that a grave obligation binds any one particular person to assist all such; that would be an impossible burden. Furthermore, in practice it is frequently difficult to decide when a man is in grave necessity, and whether he will not be more conveniently helped by someone else. Besides, there are not wanting theologians who teach a more lenient doctrine as to the gravity of the obligation of assisting those who are in grave need.

A rich man cannot be excused from sin who makes it a practice never to give anything in alms on the plea that the poor can go to the workhouse, and that he pays his poor rates.