You know, this is sort of WAD. It's much easier to get people to do good if it happens to nearly coincide with something they wanted to do anyway. If you have someone who was already planning to become a banker, then it's much easier to persuade them to keep doing that, but give away money, than it is to persuade them to become a peniless activist. As it happens, this may be hugely effective, and so a massive win from a consequentialist point of view.

I like to think of it more on the positive front: as a white, male, privileged Westerner with a high-status education you basically have economic superpowers, so you can quite easily do a lot of good by doing pretty much what you were going to do anyway. Obviously, most of this is due to your circumstances, but it's still a great opportunity.