I have three Bitcoin wallets, of approximately equal size.

One wallet will sit untouched until I retire in a few years, then I'll sell the coins over time to provide some retirement income. Obviously I'm hoping that the value of this wallet will grow considerably.

Another wallet is for members of my family. I will give it to them when Bitcoin is easy enough (and safe enough) for non-technical people to use.

The third wallet is for day-to-day spending. I'm quite free-and-easy with this one. Sometimes I send funds to a new Bitcoin business because I want to encourage Bitcoin entrepreneurship, even if I don't really need what they are offering.

I give 10% of any blocks that I generate to organizations whose goals are consistent with Bitcoin, e.g. EFF and TorServers.