I have friends who are middle-income who also focus on retirement (as you reference as an issue). Unlike many EA folks, they are more unclear about how giving fits with their long-term financial plan. To address this, I’ve written an article that goes into retirement accounts and US tax law. To some extent, it’s more conservative than the traditional pledge described in its current form, while in other ways it’s more aggressive. Feel free to have a look and consider how you think it fits: https://medium.com/@aaronhamlin/practical-philanthropic-giving-using-effective-altruism-cd9636a6b014
I have friends who are middle-income who also focus on retirement (as you reference as an issue). Unlike many EA folks, they are more unclear about how giving fits with their long-term financial plan. To address this, I’ve written an article that goes into retirement accounts and US tax law. To some extent, it’s more conservative than the traditional pledge described in its current form, while in other ways it’s more aggressive. Feel free to have a look and consider how you think it fits: https://medium.com/@aaronhamlin/practical-philanthropic-giving-using-effective-altruism-cd9636a6b014