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It seems like the primary factor driving retirement planning for us is uncertainty over the course of civilization. We don't know when or if a longevity horizon will arise, what kinds of work we'll be able to do in our old age in the future, whether serious tech progress or a singularity will occur, whether humanity will survive, or what kinds of welfare policies we can expect. Generally speaking, welfare and safety nets are progressing in the West, and the economies of the US and other countries are expected to double within half a century IIRC. Personally, I think that if you have a few decades left before retirement would be necessary, then it's reasonable to donate all income, and if there still seems to be a need to save for retirement in the future then you can forego donations entirely and save a solid 30% or so of your income, just like you used to spend on donations.
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