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CarlShulman comments on Donating while in temporary debt (i.e. as a student) - Less Wrong Discussion
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"Look, there is a 30% investment right now"
But not one for which you can recapture the proceeds in cash. So a return-on-investment frame can mislead: if your spending compounds at some rate n times, and no more, and you don't get the money back, then over longer time frames it falls further and further behind things that can be reinvested and compound for longer.