Interesting points here.
My perspective is that 10 percent is the tithe. And to say that God doesn't look at the dollar amount to determine if we gave enough (that's a very rough paraphrase of what some previous posters said) is only somewhat true, in my opinion. I believe God doesn't care if your 10 percent is $1 or $1,000,000. He's God, so He equally uses both amounts for the furtherance of His glory and kingdom. I do think He cares that we give 10%, not so He can be a meticulous accountant and boil our lives down to dollars and cents, but because He asks 10% of us. My belief regarding the 10% tithe is that He wants us to follow this commandment as much as He wants us to follow every other one found in Scripture. Deuteronomy 4:2 says, "Do not add to what I command you and do not subtract from it, but keep the commands of the LORD your God that I give you." In other words, don't put man's words in God's mouth, and don't pick and choose what you want to follow - follow it all, because the entire thing is His breath and His holy Word to us. Just as He wants us never to lie, or steal, or cheat, or rob, or rape or pillage or plunder at all, He wants us to tithe 10%. Yes, never lying or stealing or cheating or gossiping is hard, but that doesn't mean God commands it less. Luke 12:48 says, "From everyone who has been given much, much will be demanded; and from the one who has been entrusted with much, much more will be asked." It is not easy to follow Christ and obey the Lord above all else, but I believe God still asks us to be wholly committed.
Like I said, I don't think God cares about the dollar amount, but I believe He does care that the dollar amount equals 10% of the income He blesses you with. And I believe that because that's what is commanded, and God cares about and highly regards all His commandments equally. Several people stated something to the effect of not being comfortable with giving that much of "their" money. I guess the perspective I try to have (and sometimes fail at, so it's a matter of prayer) is to remember it was never my money to begin with, so I'm returning it to God to follow His command and be a part of what He wants to accomplish with it. Tithing is our opportunity to be involved in God's work in this world. It struck me as I wrote that last line that it's actually quite an honor that He uses the money He gives us and lets us be a part of His will simply by giving it back to Him.
I believe that the tithe is to go toward your church. I think that charitable givings are generous and kind, but I do not believe that "counts" as a tithe. A tithe is a return of "our" money to the work of God, and while many charitable organizations are moral and do good works for people, they are not necessarily the work of God.
In any event, I really believe that tithing is not so much a "personal choice" as an overarching commandment God issues in love to all of those who are called by His name and know Him through Christ. If you count yourself one of those, I believe it doesn't matter if you're comfortable with it - God is asking you to trust Him and step out in faith to obey Him. Someone said it's probably not realistic to "just start" tithing, but I found for me that gradually working up to 10% would have made it harder to give to the Lord. I think tithing CAN be something you just start, and I know that when my heart was hesitating about tithing less than 10%, the place I started was not at 5% or to work up to the amount but to pray that God changed my heart. As John Piper says (a great modern day apologist and theologian), If you aren't tithing joyfully, don't wait to tithe until the joy comes. Pray for joy in tithing and tithe, trusting God that the joy will come.
Sorry for such a long response. I'm enjoying this thread and really appreciate that it has remained civil! It glorifies God when we can debate and discuss in respectful ways.
