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In this study we examine whether and why human and social resources increase charitable giving. Using the Giving in The Netherlands Panel Study 2003, we find that people with more extended networks and higher education are more generous. However, these effects can be completely explained by financial resources, church attendance, requests for donations, and pro-social personality characteristics. People with more extended social networks are mainly more generous because they receive more solicitations for donations, and are more integrated in extended religious networks that promote charitable giving. The generosity of people with higher formal education can be explained by their larger financial resources, and stronger verbal abilities. Whereas the effect of education seems mainly causal, that of network extension appears largely spurious.