I agree that there are more and less efficient ways to do good, but not everyone can make it finance, and nobody should feel bad about not putting in 80-hour weeks in soul-crushing work. Many people would feel miserable in that type of environment.

Here's a good essay by someone that stopped earning to give, on a site that broadly encourages it as a strategy: https://80000hours.org/2015/06/why-i-stopped-earning-to-give...