The most important thing is whether or not you have feelings. Secondly, it's important whether you know what it means.
When it comes to money and donations, they often say “give with feelings,” etc., but it doesn't mean “less is enough,” and the point is whether or not they really have a lot of heart.
Strongly speaking, it can also be said that it is a ratio to one's own wealth. The 10,000 yen donation for a person who has 100,000 yen of free money and an offering of 10 million yen for a person with 100 million yen are at the same ratio, so if you look at it simply, it can also be said that they gave with the same amount of feeling. It's not the market price.
Other than that, it is more beneficial to donate with money earned by oneself rather than something stolen or picked up. The merit is greater if the other party makes offerings to a person of high virtue. Conversely, there is a law for the time being that helping someone who is really in trouble also has great merit.
Speaking of what it means to make a memorial service for someone who has died, the person making the memorial service is a person of high virtue who makes offerings, etc., or a person who is in trouble, and the good act that made the memorial service is directed (turned) to the deceased person and received. An ancestral memorial service is a memorial service for an ancestor.
If your ancestors and deceased aren't in trouble, you don't have to do it, but since I don't know from here, conversion is beneficial not only to specific people, but also to sentient beings, so it's good for someone else, and it's my own merit when I do it, and there's no loss in doing it anyway, so let's do it to the extent we can.
For details, see my book “Why can merit be converted?” Please see Kokusho Publishing Association etc.