DanielLC comments on Efficient Charity: Do Unto Others... - Less Wrong
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Then don't. Use two-level utilitarianism. Live like this for a brief amount of time, during which you decide how to live the rest of the time. Work out how much you can cut your budget before you start earning less or the risk of giving up goes to high, and live like that for a period before you go back and check to see if it's working well again.