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RichardKennaway comments on What's the right way to think about how much to give to charity? - Less Wrong Discussion
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I see that people have very different attitudes to money. To me, several months of salary is not a lot of savings, but a very precarious amount. I would be uncomfortable without savings of several years of salary, and the ideal minimum amount would be enough to live on indefinitely without drawing on the capital.
I don't miss trains either.