Does charity money actually go to CHARITY?

It depends on the individual charitable organization. Some use very little of the donation to operate the charity's administrative services making the most impact with the money donated, while others end up with very little (or nothing) going to the target of the charity and, instead, most of the donations end up in the pockets of the administrators of the charity. There are lists of those charities that use more of the donation for the stated purpose and less in administration. See below in the related links for links to that type of information.