The way you talk about Rand, her life, and her philosophy sounds like you get those beliefs from others who have processed these things already. I remember being told by a professor od philosophy that ethical egoism was "screw you, I've got mine" just as you have said, and that because Rand died as a result of her smoking and she cheated on her husband at one point, clearly her ideas are worthless. These examples constitite a straw man and ad hominem, plain and simple, circular as well. The fact that you and this think that an ethical system can be "bad" instead of just "inaccurate" demonstrates that you are assuming an ethical system already to wvaluate it; this must be avoided, because it is impossible to learn without accepting ideas that contradict one's current beliefs and values.

As for the ineffective nature of charity...mathematically, that's not true. But either way, in Objectivism, ethical egoism condemns force and any moral obligation to be altruistic, so any direct welware program would be unethical. If you want to give people a chance at a better life, all you can do is lend a hand to those in need...AKA you can volunteer every week like me, or look into Effective Altruism, which I am sure you are very familiar with already. Altruism in this sense of the word is good because it increases the wealth of society, thereby increasing my chance of happiness in life. However, it is certainly not true that every last person who doesn't want to work to survive--I know and have known plenty of people like this--deserves the resources of those who are highly productive. On the other hand, chariry is a value Ayn Rand holds, but only when one can not only spare it, but serves to benefit from it, which is not as uncommon a situation as you might think.

Finally, for a book, "Objecticism: the Philosophy of Ayn Rand" is a full construction of her philosophy from core principles onward. If you read it, try to follow the logic from basic principles onward and derive the whole system before you judge it emotionally, and see if it holds its own as a philosophy. Good luck, I hope you benefit from it.