The bunching strategy is most effective when you have a significant increase in your taxable income, such as a large bonus, stock sale, crypto gain, or inheritance. It's also a great option if you're close to being able to itemize your tax deductions or if you want to make a large donation to a charity or cause you care about. Daffy is an excellent platform for implementing the bunching strategy. For instance, let's consider Leah, a salesperson who received a $50,000 commission bonus. She uses Daffy to make a $10,000 contribution from her bonus. This might seem like a lot, but over two years, it amounts to just over $400 each month. Leah doesn't have to give the money to any charities yet; instead, she can invest those funds with tax-free growth and spread her contributions out over the next two or three years. On the tax front, Leah’s $10,000 charitable contribution, paired with the $5,000 she’ll pay in mortgage interest on her condo, puts her well above the standard deduction. In fact, she’ll get to deduct an extra $2,000 from her taxable income while also making a difference in the world. In conclusion, Daffy is a great option for a Donor-Advised Fund (DAF) as it allows you to maximize your tax savings by bunching charitable donations. It's a smart strategy for those who give to charity regularly and want to make the most of their contributions.