I actually have not spent more than 25% of my income, yes, and have actually started researching starting my own institution. Where I hope to put the majority of my income and money made. I feel like NGOs have a cancer where CEOs are paid millions to increase fund raising with the actual “doing good” part being at best an after thought. Give well is awesome but I didn’t find a single charity I could believe in (I’d rather help orphans, victims of domestic abuse and if possible, help victims of human trafficking. Tall order but also paradoxically not in GiveWells docket apparently).