Another specific part of life that isn’t replicable for lots of effective altruists as compared to others is being fully able-bodied, or being in good health. One common but largely unspoken facet of life is lots of people have problems with physical or mental illness which either cost money, or hinder their ability to earn money as they would have been able to otherwise. So, including opportunity costs, the costs of health problems can be quite steep. This is the number one thing I think would affect all kinds of people, and so is a primary consideration to take into account of what the added necessary and fixed costs in a budget would be in addition to the template provided above.
Another specific part of life that isn’t replicable for lots of effective altruists as compared to others is being fully able-bodied, or being in good health. One common but largely unspoken facet of life is lots of people have problems with physical or mental illness which either cost money, or hinder their ability to earn money as they would have been able to otherwise. So, including opportunity costs, the costs of health problems can be quite steep. This is the number one thing I think would affect all kinds of people, and so is a primary consideration to take into account of what the added necessary and fixed costs in a budget would be in addition to the template provided above.