Hal Taussig wears baggy jeans and fraying work shirts that Goodwill might reject. His shoes have been resoled three times. At age 81, he doesn't own a car. He performs errands and commutes to the office by bicycle. And he has given away millions. Given the fortune that Taussig has made through Untours, his unique travel business, and has given away through the Untours Foundation, you could call him the Un-millionaire. If he so chose, he could be living in a Main Line mansion and driving a Mercedes. But he considers money and what he calls "stuff," beyond what he needs to survive, a burden, an embarrassment. In many respects, he's a 21st-century Thoreau. "Let your capital be simplicity and contentment," the sage of Walden Pond wrote. "Those are my sentiments precisely," says Taussig, who has three children, five grandchildren, and five great-grandchildren. He directs the Untours Foundation, into which he pours all his profits - $5 million since 1992. The money is used to make low-interest loans to ventures and projects that help the needy and jobless - from a craft store in Hanoi to a home-health-care cooperative in Philadelphia. "I invest in entrepreneurial efforts to help poor people leverage themselves out of poverty." "In America, we worship success," he says. "It's a shoddy ethic that leads us to value who we are by what we are." The motto of the Untours Foundation is "a hand up, not a handout." It provides low-interest loans, here and abroad, to create jobs, build low-income housing, and support fair-trade products: goods such as coffee that are sold at a price that guarantees producers and workers a fair wage and decent livelihood.