Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?
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Notes -
The only reason I would consider donating to charity is that I worry that unearned wealth is a bit of behavioral hazard for me. But like you said, it will make my life significantly better, and I have sufficient maturity to use it responsibly and not be a wastrel/spendthrift. A car and a house are solid investments that will make my life better.
To clarify my financial situation. I currently am a PhD student and earn ~$50k/year. I expect to graduate within 15 months and earn anywhere from 75-150k. An extra 10k a year right now would effectively double my savings rate, while maybe not being too impactful in a few years time.
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