Definitely, I think that the discount rate each of us applies to future donations is an extremely important factor to consider. In fact, I would be in the camp that this discount rate is likely very high—mostly in agreement with the points you have made.
Now that I have reached a point where I can start giving without affecting my life choices, I’m planning on giving away a majority of the balance as soon as I get my hands on it, rather than investing to increase future donations.
Definitely, I think that the discount rate each of us applies to future donations is an extremely important factor to consider. In fact, I would be in the camp that this discount rate is likely very high—mostly in agreement with the points you have made.
Now that I have reached a point where I can start giving without affecting my life choices, I’m planning on giving away a majority of the balance as soon as I get my hands on it, rather than investing to increase future donations.