suppose someone's life plan was to largely devote themselves to making money until they were in, say, the top 10% in cumulative income. They also did not plan to save money to any very unusual extent.

then after that was accomplished, they would switch goals and devote themselves to altruism.

Given that the person today is able to make the money and resolves to do this, I wonder what people here think the chance is of doing it. For example, fluid intelligence declines over time. So by the time you're 60 years old and have made your money and have kids, will you really be smart enough to diametrically change direction and have much impact? Maybe Bill Gates has enough brain cells, but his IQ might be 160. And maybe you'll just forget about altruism and learn to enjoy nice cars more.