Hello, EA Forum! Here is an open thread.
I will kick it off by asking what thoughts people have on saving for retirement while donating more than a set 10% of income.
I am likely to have a relatively high paying job within a few months and don't plan on spending most of that income. I plan to divide the rest between retirement savings and donations to x-risk charities, but I don't have a coherent framework for balancing the creation of passive income with helping preserve the world.
Ideas on utilizing less-taxed retirement accounts would be appreciated as well. Are there any advantages over DAFs?
One argument for saving more is that it could allow you to have a higher risk tolerance, since you could afford to lose some of the money. If you planned to donate any excess savings after some time, this could increase the expected value of your donations. I wrote about this here: http://effective-altruism.com/ea/rz/increasing_risk_tolerance_by_growing_your/
Let me know if you have any questions about this.