Quoted from frolic:
I understand the feelings of guilt, because I've pondered the same things. At the same time, everything I've got I've earned fair and square and it is my privilege to spend that money in whatever way makes me happy.
I help how I can in the ways I can, and I feel good about those ways. That's basically all you can do or can expect to do.
Is it? Not questioning the right to spend money however I choose, but I question the morality. Check out Peter Singer's quick TED Talk about effective altruism. Pretty compelling and has me rethinking my spending: