This epitomizes the problem with Less Wrongers' instrumental rationality:
I do find them convincing. Unfortunately, I don't find them motivating.
My lifestyle tends to be rather minimalistic so that even an average to low income is more the enough to sustain it. I also find it a lot easier to just forgo some comfort or gadget instead of working more to pay for it
We're a bunch of linux-hacking post-hippies who don't care enough about the socially accepted measures of influence ($ and status) to motivate ourselves to make a difference. Hence, we are sidelined by dumb cave-men who at least have enough fire in their bellies to win.
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You can make a difference, yes. The relevant equation is:
Difference you make = (Earnings-Spend) x Altruism x 10^(charity rationality)
Since you are considering giving money to some highly efficient charity like SIAI, you will in the future make more of a difference than almost anyone else in the world, if you do so.
However, if you fix charity rationality or you've already found the most efficient charity in the world, then it seems to me than Increasing earnings is probably more effective than decreasing spend. You can earn $10^6 .year (I know of a major SIAI donor who has achieved this) , but if your current spend is $10k, you can't increase -spend by more than a few k.
You are correct off course. I was merely reacting against your statement that I can make no difference at all.