you're too young (and didn't have much income before anyway) to have significant savings.

Err, I haven't yet earned as much from the lazy entrepreneur route as I would have if I had taken a standard programming job for the past 7 years (though I'll pass that point within a few months at the current rate). So don't go blaming my cohort's age if they haven't saved and/or donated as much as me. I'm with Rain in spluttering at how people can have an income and not have money.