
The Wrong Pocket
Most small nonprofits accept only cash — the smallest pocket a donor owns. A 400-household, zero-staff foundation proved otherwise: 85% of its 2025 donations came from IRAs, donor-advised funds, and appreciated stock, building a $2.4 million endowment. Dr. Sanjay Bindra explains what changed, what it cost to set up, and why the barrier was never money. It was language.








