Reading your post makes me think how useful these type of challenges actually are. It's not just thinking about some money that you don't have and being angry about it, as I had originally taken the idea. It helps you clear your mind. Even make a plan. A person can have many and nebulous desires that come and go in his head, disorganized and hopeless. But when one is made to sit down and write them, to formulate, structure and arrange them, things look quite different.
I thought I wasn't qualified to write a whole post on this topic because I only have one wish and it can fit into one sentence. 😅But this is very generally speaking and worth considering in detail, it will certainly help. Especially after seeing how you split and calculated things - good job! I particularly like the 4th point and I fully support it. And the second - yes, there is some such spiritual "law", if I'm not mistaken, that a part of the amount received should always be deducted for charitable purposes. I support that too.