John_Maxwell_IV comments on Why is it rational to invest in retirement? I don't get it. - Less Wrong Discussion
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From a tax perspective, my understanding is that you can deduct up to 50% of your income from your taxes if you give it to charity. Are retirement account tax incentives that good? If not, you might want to put your money in a donor-advised fund instead of a retirement account. (See this comment for more relatively clueless speculation from me.)
In Canada, investments made in a retirement fund and donations made to charity both work identically - no taxes are charged on that dollar amount(there's some caps, but they rarely come up for most people). It will obviously depend on where you live, though.