I have yet to find any thoughts on Effective Altruism that do not assume vast amounts of disposable income on the part of the reader. What I am currently trying to determine are things like 'at what point does it make sense to give away some of your income versus the utility of having decent quality of life yourself and insuring against the risk that you end up consuming charitable resources because something happened and you didn't have an emergency fund'. Does anyone know of any posts or similar that tackle the effective utilitarian use of resources when you don't have a lot of resources to begin with?