I have raised hundreds of millions of dollars for charities across 129 countries over the last decade. I’ve seen the most generous sides of the human spirit and so I am deeply unsettled to see our sector and broader civil society on the brink of collapse. Charities today face a financial crisis that threatens their very existence. Across the UK and beyond, many nonprofits are quietly running out of time and money. Recent data shows an alarming spike in charity closures - the number of UK charities forced to shut down increased by 74% in a single year [1], driven by rising costs and falling donations. In one survey [2], over half of UK charities said they might not survive the next year (up from 43% just two years prior). “Communities are being asked to do more with less, at the very moment people need us most,” warns Oxfam [1]. When charities collapse, it is more than an administrative update for the Charity Commission - vital community services disappear, families lose support and society’s safety nets fray. The cost is very human. I wish I could report this is merely a temporary downturn; it is in fact a structural failure I’ve watched unfolding in real time for the last decade and I can’t bear to watch it any longer. If it continues unchecked, the risk is not just fewer charities, but the slow erosion of civil society itself.

The Broken Funding Model: Fragile and Short-Term

How did we reach this breaking point? At the heart of the problem is a fragile funding model that keeps charities perpetually on the edge. Most charities operate hand-to-mouth: donations come in and are spent immediately on current needs, then the cycle repeats with new fundraising appeals each year. There is rarely a chance (or permission) to build financial resilience, reduce reliance on donations, and save for the future. In fact, charities often feel pressure to spend every pound right away, lest they be accused of “hoarding” donors’ money. This leaves no cushion for hard times, and now those hard times have arrived. Some stark signs of this broken model include:

Wave of Closures

Charities, especially smaller ones, are shutting down at unprecedented rates year on year. In 2024, nearly 4,000 UK charities closed their doors for good [1]. Major UK charities saw insolvencies soar by ~74% year-on-year, a “triple hit” of rising costs, stalling donations, and funding cuts. Every closure means vulnerable people losing essential support. Non-profit data researchers such as candid.org, put annual closures optimistically at 3% and realistically at 11% [6]. If this trend continues over the next 50 years at just 3%, the risks to civil society are catastrophic:

Deficits and Vanishing Reserves

Almost half of charities are now running at a deficit, spending more than they receive [3]. Many have little to no financial reserves - in a survey of 700 small charities, one in ten had under 6 months of funding left [3]. Operating with just weeks or months of cash is unsustainable. Yet today nearly 51% of charities fear they may have to close within the year if trends continue. This is not a viable financial posture; it’s a slow-motion collapse.

Rising Demand, Falling Funding

A cruel paradox is at play - just as the need for charity services surges (e.g. record use of food banks and helplines), donations and grants are stalling or shrinking. Four million fewer individuals donate in Britain now compared to 2019 [4]. Public budgets are tighter, and businesses have cut charitable contributions. The result: charities face “unrelenting demand” with inadequate resources [4]. It is almost as though the more a charity is needed, the less financially able it is to respond - a moral failure without moral fault on the part of charities.

External Shocks Expose Fragility

Organisations reliant on government or a few big donors are one policy change away from crisis. For example, a hike in employer National Insurance tax in 2025 directly pushed many UK charities toward insolvency [5]. With no independent assets or buffer, charities become downstream casualties of macro decisions they cannot influence. Recent tax increases and funding cuts have left many with no option but to slash staff and services or shut down.

No Compounding, No Future-Building

Donations today are spent once and gone. There is no investment engine to make next year easier than the last. Unlike private companies, universities or foundations that benefit from compounding assets and endowments growing over decades, we allow most charities to start from zero every year. They have to earn their progress anew each year. This yearly reset is exhausting and demoralising, keeping even successful charities on a treadmill of survival rather than allowing them to build for the long term.

Governance Pressures

Financial resilience is a necessity and a board duty. Regulators and charity boards are beginning to insist that running on fumes is not acceptable stewardship. A mission without any balance sheet is being seen as financially reckless. Charity leaders intuitively know they cannot continue living one financial crisis away from closure. The status quo is untenable. Despite this regulatory pressure, charities struggle to identify appropriate opportunities to build up their financial resilience. The few products in the market offer charities returns that still lose value in real terms, after accounting for inflation.

Under this traditional model, even well-managed charities get trapped in short-term thinking. They spend all year scrambling for funds, then cut programmes in lean times, then scramble again, and even when they do invest for the future, they are not beating inflation. They are in a constant cycle of “survival mode”. Success becomes defined as merely keeping the lights on for one more year. This reactive posture sells short the very causes charities mean to serve. When an organisation is worrying about next month’s bills, it cannot focus on its higher purpose.

Why hasn’t the model changed? And why do things seem to be getting worse for the most vulnerable in our society? There are two things to unpack here - a) the ‘morality of money’ and society’s consequent decline, and b) how society has been robbed of a store of value making it impossible for anyone - including charities - to build on a long term horizon, beholding them to short term extractive behaviours. We have been boxed in by expectations and an economic system that rewards the now over tomorrow, and the few social elite over the many. Breaking out of this loop requires us to first confront these deeper issues: the central question that our culture has ignored for far too long is how our money system itself shapes our behaviour.

Money, Morality, and Society’s Decline

Beneath the charity sector’s financial fragility lies a seldom-discussed problem: the separation of money and morality. Charities operate within a broader financial system that implicitly incentivises behaviour that doesn’t optimise for society as a whole. In today’s economy, money is often treated as a neutral tool engineered for efficiency, not for ethical considerations. The inescapable reality is that we have built an economic world on top of a monetary foundation that is structurally dishonest and morally empty. Money is the bloodstream of society - we have poisoned the blood, and then we wonder why the organs are failing.

For most of history, money was linked to something real (like gold or land), and philosophers saw a moral dimension in how money was managed. The 11th-century thinker Abu Hamid Al-Ghazali warned that when money strays from ethical principles, society “rots from within.” He condemned the practice of debasing currency (mixing base metals into gold/silver coins) as nothing short of theft. He held that the circulation of one bad dirham is worse than stealing a thousand, because a corrupted coinage poisons every transaction it touches. In his view, sound money - money that holds its value honestly - is the bedrock of a just economy. If the state covertly dilutes the currency, trust erodes and the entire marketplace suffers. In essence, dishonest money undermines society’s trust.

Fast forward to today: governments don’t shave coins, but they do print money and target steady inflation, based on the unquestionable belief that unending growth, no matter how it comes about, is the sole mandate of a responsible government. Most central banks openly aim for about 2% inflation per year, meaning they deliberately erode the currency’s value over time. From Al-Ghazali’s ethical vantage, this policy is “a slow-motion debasement” . Over a generation, even mild 2% inflation quietly steals more than half the currency’s purchasing power. In modern terms, fiat money is “engineered to die” in value. Savers are punished as their stored wealth loses worth bit by bit, so everyone is incentivised to spend now rather than save for later. Economist Saifedean Ammous describes it bluntly: “Fiat money institutionalises high time preference behavior” - it trains society to grab what it can today because tomorrow the money will be worth less. This high time-preference mindset is corrosive; Ammous calls it “the beginning of the end for a functional and moral society”.

We see the effects of this in the charity world. Why do so few charities build up reserves? Because the monetary environment nudges them not to. If they hold onto cash, inflation eats it. If they appear to save funds, donors or media criticise them for sitting on money that is fast losing value. In a sense, the system punishes prudence and rewards immediacy. Charities feel they must spend every donation quickly - partly out of genuine urgent need, but also because “use it now, it’ll be worth less later” is the reality of an inflationary system; and this is even more acute for developmental charities who deal with foreign currency exchange. Thus, even organisations devoted to future generations (education, climate, etc.) are forced into short-term financial thinking for sheer survival. This is a profound moral hazard created by unsound money: even good actors are pushed to prioritise the present at the expense of the future.

To truly fix the charity sector’s financial fragility, we must realign money with morality - we need a financial foundation that rewards saving, guards against debasement, and values the long term. In practical terms, charities require a reserve built on sound money principles, so that preparing for tomorrow isn’t an uphill battle. Remarkably, and fortuitously, such a foundation has become available in our digital era. In 2009, a new form of digital sound money was born that embodies many of the ethical qualities long lost in our current system. That money is Bitcoin.

Bitcoin was created in the wake of the 2008 financial crisis, as a response to the moral failings of modern finance. Where today’s currency steals value from people, Bitcoin stores value for them - which is why I prefer to call it ‘honest money’, rather than merely ‘sound money’. It’s often nicknamed “digital gold,” but in truth Bitcoin is more than gold - it is digital gold with an incorruptible monetary policy. Where fiat currency can be inflated at will, Bitcoin cannot. It brings back the idea that money can have an honest, transparent and fixed value that doesn’t decay with time. In short, Bitcoin reunites money with the principle of integrity. EverGive embraces Bitcoin not as a trendy buzzword or speculative asset, but as the ethical foundation that can make financial permanence possible for charities.

EverGive’s “Forever Fund”: A New Model for Resilience

EverGive flips the traditional charity model on its head. Instead of asking, “How do we spend donations immediately to address today’s needs?”, we ask, “How can we make donations last forever to address needs for generations?” The solution is what we call a “Forever Fund” - essentially a permanent charitable endowment, powered by sound money (Bitcoin and Gold), that provides sustainable funding year after year.

Here’s how the EverGive model works in practice:
Donations Become Investments: When a donor gives through EverGive, the money isn’t simply spent and gone. The donation goes into a secure reserve fund invested entirely in Bitcoin and Gold. Think of it like planting an oak tree instead of burning kindling; the principal isn’t consumed but rather set aside to grow over time.

Perpetual Payouts from Growth: The fund is managed so that only a small portion of its growth is paid out to charitable causes on a regular basis (for example, a target of 5% of the fund per year, similar to how large endowments operate). This means the original donation remains intact (and ideally grows), while the investment earnings provide an ongoing stream of funding for the charity. In other words, we spend the fruit, not the tree - using only the new growth to support causes and never fully depleting the principal.

Compounding Impact: Over time, this creates a virtuous cycle. Any funds not immediately needed stay invested and compound further. The longer the fund runs, the larger it can become, resulting in larger payouts in future years. For example, a £1,000 donation through EverGive could generate well over £5,000 of actual charitable funding over the long term - all while the original £1,000 remains invested to keep supporting the cause indefinitely. Donors essentially give once but have an impact that multiplies over time.

Long-Term Planning and Stability: With a reliable financial backbone in place, charities can finally break free from reactive, year-to-year scrambling. They can plan ambitious programmes for five, ten, or twenty years ahead, confident that a baseline of funding will be there. Instead of dreading the next economic downturn, an organisation with a “forever fund” can weather the storm by drawing on its reserve’s earnings. This encourages strategic, long-range projects - the kind that tackle root causes - rather than just short-term band-aids. We want to shift charities from the fundraising treadmill to a compounding flywheel.

Aligned Incentives: EverGive’s model realigns the interests of all stakeholders towards effectiveness and longevity. Donors get the peace of mind that their gift isn’t a one-off splash; it’s building an endowment for a cause they care about. They can literally see their donation still “there” on the public blockchain, working for good year after year. Charity leaders and trustees, in turn, gain financial stability and can focus on maximising impact per dollar rather than constantly chasing the next dollar. In fact, because unspent funds stay in the reserve and continue growing, charities are rewarded for efficiency – if they achieve great impact with fewer resources one year, the surplus isn’t wasted but boosts future capacity. This is a stark contrast to the traditional “use it or lose it” budget mentality. Beneficiaries (the communities served) ultimately benefit from more consistent and scalable services. Overall, the model incentivises patience, prudence, and performance.

Transparency and Trust: By leveraging Bitcoin’s public blockchain, EverGive makes the flow of funds radically transparent. Every donation into the reserve, and every payout to charities, can be openly verified. This offers donors and oversight bodies an unprecedented level of accountability. There’s no opaque black box - anyone can track how the money moves, ensuring it goes where it’s supposed to. In an era where public trust in institutions is shaky, this transparency is a breath of fresh air. It also reduces opportunities for misuse of funds; when all transactions are on a public record, stewardship naturally improves.

In essence, EverGive is creating a collective endowment for humanity’s charities. While a handful of elite universities and foundations have enjoyed endowments for centuries, the vast majority of charities never build such reserves - until now. EverGive’s vision is to democratise the endowment model, making perpetual funds the norm rather than the rarity. Even a small grassroots charity can start accumulating a forever fund through this platform, securing its mission for future generations.

It’s worth noting that some large charities have tried to establish traditional endowments or reserve funds, but they often faced challenges: investment complexity, donor scepticism, or the temptation to raid the fund during crises. EverGive addresses these by providing a shared infrastructure and clear philosophy: the reserve is sacrosanct, and Bitcoin’s properties reinforce that (as we’ll see next). Essentially, EverGive acts as the financial backbone that individual charities can tap into, rather than each having to reinvent the wheel.

Why Bitcoin? The Ethical Backbone of the Reserve

Bitcoin is civilisationally special. It is the first form of money humanity has ever known that is governed by rules rather than rulers. It is money whose supply cannot be inflated, whose issuance cannot be politicised, and whose integrity does not depend on trust in fallible institutions. Bitcoin is fast, programmable, and fashionable. What makes it most valuable is that it is scarce, final, and honest. In a world where every currency is designed to be debased over time, Bitcoin stands at the summit of monetary systems that reward saving over spending, patience over impulse, and long-term stewardship over short-term extraction. It is, quite simply, the hardest money ever invented.

This chart shows that the history of money is not a story of steady improvement, but of long decline followed by a possible restoration. For most of human history, money was sound because it was scarce, costly to produce, and beyond political control, which is why gold and silver emerged naturally as money. The introduction of paper money in the 1600s began as a convenience, but slowly severed money from physical constraint, and although 19th-century gold standards briefly restored discipline, that restraint collapsed in 1914 and was abandoned in 1971 when fiat currencies became unlimited instruments of state policy. The result was universal fiat money, persistent inflation, financial instability, and a system that rewards short-term spending over long-term stewardship. Bitcoin’s emergence in 2008 marks a sharp reversal of this trend by restoring its core properties using modern technology: absolute scarcity, resistance to debasement, independence from political authority, and verifiable ownership. Bitcoin is often misunderstood as a reinvention of money, or a new experiment. It’s not. It is a return to monetary truth, reviving sound money in its purest form for a digital age.

Why base this “forever fund” on Bitcoin, of all assets? EverGive has made a deliberate choice to hold its reserve 100% in sound money technologies - Gold and Bitcoin. We are building for forever - and Bitcoin is the only asset in history with provable, absolute scarcity (with Gold in second place). In a fund meant to last for generations, anything less than absolute scarcity will eventually be eroded. The case for Gold has been clear for 5000 years. Here is the case for Bitcoin as the perfect asset for a reserve designed to last forever::

Fixed Supply - No Debasement: Bitcoin’s monetary supply is hard-capped at 21 million coins, ever. This is enforced by the network’s code and cannot be changed without universal consensus (effectively impossible). No central bank or government can print “more” Bitcoin on a whim. This makes Bitcoin inflation-proof by design. For a long-term reserve, this is indispensable - it means the charity’s saved value can never be diluted by political or policy decisions again. By contrast, any fund held in cash, or even in stocks/bonds, is ultimately riding on currencies that can lose value over time (most fiat currencies lose purchasing power every year). With Bitcoin, a charity knows that 1 BTC out of 21 million will always be that proportion of the total supply, no matter how many years pass. The value might fluctuate relative to fiat currencies or purchasing power, but it won’t be because the unit was debased. This property restores honesty to the foundation of the charity’s money.

Long-Term Value Growth: Scarcity drives value. Over Bitcoin’s 15+ year history, its price has increased dramatically (with volatility) as more people recognise its utility and adopt it. While past performance isn’t a guarantee, the fundamental supply-demand dynamic suggests that Bitcoin’s value is likely to trend up over the long haul as adoption grows. This gives the reserve a strong growth engine. In practical terms, a Bitcoin-based endowment that is not constantly drawn down can accumulate significant real value over the years. Even accounting for market swings, the overall trajectory has far outpaced inflation. For donors and charities, this means a contribution to the reserve today could be much more powerful in the future. The bottom line: Bitcoin enables the miracle of compounding in a way that fiat savings could never achieve, due to its deflationary tendency and upside potential.

Immune to Political Risk: Bitcoin is decentralised and global. It is not controlled by any single government, corporation, or central authority. The charity’s Bitcoin reserve cannot be seized, frozen, or devalued by any outsider - it exists on a distributed ledger across tens of thousands of nodes worldwide. This provides a form of sovereignty and security that traditional charity funds (sitting in banks or subject to local laws) simply don’t have. If a charity operates in multiple countries or in politically unstable regions, a Bitcoin reserve is borderless and neutral. It’s as accessible in New York as it is in Nairobi. History shows that when national currencies collapse or hyperinflate, people seek refuge in more stable stores of value. Bitcoin offers charities such a refuge preemptively, insulating their core funds from local currency crises or hostile policies. In short, it is a hedge against uncertainty, both financial and geopolitical.

Transparency and Verification: Every Bitcoin transaction and wallet balance (pseudonymous addresses) are recorded on the public blockchain. This means an open audit trail is available for those who know the addresses of the reserve and the charities’ distribution wallets. EverGive leverages this for trust: trustees, donors and auditors can independently verify that donations were received into the reserve, that funds weren’t diverted, and exactly how much was paid out to beneficiary charities. This level of transparency is unparalleled in traditional banking. It helps build donor confidence because there’s no need to blindly trust the charity’s word; the ledger is the source of truth. Mismanagement or fraud becomes far more difficult when every coin is accounted for on a public ledger.

Alignment with Low Time Preference: Bitcoin was fundamentally born out of a long-term vision - the first Bitcoin block famously contained a headline about bank bailouts, signaling its mission to reform unsustainable finance. By choosing Bitcoin, EverGive is an extension of Bitcoin’s philosophical stand: that societies - including charities - should build on money that embodies equality, transparency, accountability, fairness and patience. Bitcoin encourages saving and delayed gratification (since holding it has historically been rewarded), which is exactly the culture shift the charity sector needs. Holding an appreciating sound money reserve trains an organisation to think in decades and resist the urge to panic-sell or overspend at the first shortfall. It’s a form of encoded discipline. Bitcoin reintroduces scarcity and patience into our monetary system, much like gold did for millennia. This ethos resonates with EverGive’s mission to make generosity permanent. If a charity’s cause is truly meant to last, let’s support it with a form of money that is built to last.

Of course, Bitcoin is not a magic cure-all. It has short-term volatility, and integrating it requires technical know-how (secure storage, regulatory compliance, etc.). EverGive addresses these by pooling expertise and using professional custody solutions so individual charities don’t have to figure it all out themselves. We take a prudent approach: for example, smoothing out payouts and maintaining some liquidity to manage Bitcoin’s price swings. The key point is that no other asset combines Bitcoin’s strengths of absolute scarcity, decentralisation, and transparency. Gold, for example, was the classic “forever” asset - but even gold supply grows ~1-2% a year through mining, and gold can be confiscated or its markets manipulated. Land can last generations, but land’s value and use can be heavily impacted by government action, war, or environmental change. Bitcoin is finite and digital. It’s as hard as gold but as flexible and transportable as information. Gold is just Bitcoin that you can’t send over the internet. In the context of a charity reserve meant to underwrite the eternal missions of humanitarian causes, Bitcoin stands out as the only foundation that is truly built for permanence .

To put it simply: an eternal mission deserves an eternal foundation. EverGive chooses Bitcoin because a) it aligns with the most aspirational values of a free and open society, and b) we refuse to let the charity sector’s lifeline be gradually taxed away by inflation or abruptly cut by external shocks. By holding the reserve in Bitcoin, we are future-proofing the lifeline of humanity.

A Call to Action: Future-Proofing Charity Together

The charity sector now stands at a crossroads. Down one path is the status quo - continuing the fragile cycle of raise-spend-repeat and hoping that the next crisis won’t hit too hard. We already see where that path leads: more closures, more cuts, and heartbreaking decisions about whom we can no longer help. Down the other path is a new paradigm - one where charities embrace financial resilience as a core part of their mission, where we invest in the future of doing good. EverGive is an invitation to walk that second path.

To charity trustees and leaders: The responsibility on your shoulders is great. You are stewards of your organisation’s mission and its long-term health. In the past, it may have been enough to balance this year’s budget and carry out programmes. Today, prudence demands more: you must also safeguard tomorrow’s budget and the decade after that. This means rethinking old habits. The tools and models that worked in the 20th century - endless fundraising campaigns, 100% spend-out of donations, little thought to reserves - are proving inadequate in the 21st century. The world has become too uncertain, and the needs too vast, to rely on wishful thinking for next year. We urge you to be bold and proactive: embrace the concept of a forever fund for your charity. Start building some reserves if you have none. If you’re fortunate to have a surplus one year, don’t automatically roll it into new spending - consider investing it for the future. Experiment with the EverGive model on a small scale: for example, allocate a portion of your funds to Bitcoin and see how the mechanics work. Educate your board and donors about why holding a resilient asset is not hoarding, but rather protecting the mission. Already, regulators and charity commissions are nudging in this direction - recognising the importance of reserves for good governance.

To donors and supporters: We know you give because you care deeply. We also know it can be disheartening to donate every year and feel like the problems only grow. EverGive offers you a new way to give - one that makes your goodness infinite, and lasts forever. By supporting a charity’s forever fund, you ensure that your generosity keeps working long after you’re gone. It’s akin to planting an orchard that will feed communities for generations, rather than sending a one-time shipment of fruit. Both types of aid have their place, but we need more of the former. Ask the charities you love about their long-term financial plans. Encourage them to think big and think ahead. Philanthropy can be about more than just urgency; it can be about building the future we’re excited about. With modern technology like Bitcoin, even modest donations can grow into something much larger over time. This isn’t fantasy - it’s mathematics and sound economics. By being open to innovation in charitable giving, you can multiply the impact of every donation and immortalise your legacy on a global scale.

To the general public and regulators: A financially secure charity sector is in everyone’s interest. We all rely on nonprofits to fill gaps that neither government nor market address - from disaster relief and medical research to protecting the vulnerable. Supporting policies that encourage charity reserves (rather than penalise them) is crucial. Oversight bodies should proactively encourage frameworks for sound-money philanthropy and endowment-building that help more organisations adopt these tools safely. Let’s recognise that a charity with a reserve isn’t “rich” or misusing funds; it’s being responsible and prepared. Just as we expect individuals to save for a rainy day, we should expect and empower charities to do the same, because afterall, a charity only saves for humanity’s benefit.

The EverGive initiative is bold and ambitious, yes. But the risk of inaction is far greater. When half of charities fear closing their doors within a year, it’s a clarion call that the old approach is not working. We need structural change. EverGive’s model - grounded in monetary ethics and smart investment - is one such change. We invite charities to join us in pioneering this new era of philanthropy. Already, early adopters are seeing the promise: a relief from the constant fundraising hamster wheel, and hope that they can serve their communities not just next year, but 50 years from now.

Building the financial backbone of the charity sector is about ensuring that compassion itself doesn’t have an expiration date. The missions of charities - curing disease, alleviating poverty, defending human dignity - are too important to be one recession away from ruin. By combining the age-old wisdom of saving for the future with cutting-edge sound money technology like Bitcoin, we can transform charity from a fragile cycle into a permanent legacy. The boulder of Sisyphus can finally stay atop the hill, because we will have built a foundation that holds it there.

The stakes could not be higher, but neither could the potential reward. By acting now, we can empower our charitable institutions to not only survive, but to thrive for generations, come what may. That is the future EverGive has already started to build - a future where generosity and prudence go hand in hand, and where every act of giving truly becomes Ever-Giving.

(EverGive Manifesto, December 2025)

Charity Closures, Financial Distress, and Sector Risk

UK charity closures increased by approximately 74% year-on-year, driven by cost pressures and falling donations.

The Independent, “Charity closures soar by three-quarters as cost of living crisis blamed”, 21 September 2025.

https://www.independent.co.uk/news/uk/politics/charity-closures-cost-of-living-b2829938.html

Over half of UK charities report they may not survive the next 12 months, up from 43% two years earlier.

Insurance Business / Howden Group, UK Charity Risk Report, July 2025.

https://www.insurancebusinessmag.com/uk/news/breaking-news/half-of-uk-charities-face-closure-520000.aspx

Almost half of charities are running deficits, spending more than they receive.

Civil Society News, “Many charities running deficits since NICs rise”, November 2025.

https://www.civilsociety.co.uk/news/many-charities-running-deficits-since-nics-rise.html

CAF UK GIVING REPORT 2025: TRENDS IN GIVING

https://www.cafonline.org/insights/research/uk-giving-report

Howden study warns National Insurance Contributions hike is pushing UK Charities to the brink

https://www.howdengroupholdings.com/news/howden-study-warns-national-insurance-contributions-hike-is-pushing-uk-charities-to-the-brink?utm_source=chatgpt.com

Candid Non-Profit Research

https://candid.org/blogs/how-many-nonprofits-will-shut-their-doors/?utm_source=chatgpt.com