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I don't think I'm the run of the mill HN user, but I'm an undergrad in biology.

Still give to charity.

There are financial donations and service donations. The latter can be much more effective. A really effective donation is spending one Saturday a month helping to fix computer problems at a non-profit of your choice. We also used to create refurbished computers for them out of donations from folks with excess computers.

You shouldn't feel obliged to give to charity, but you definitely should give to charity

Why shouldn't someone feel obliged to give to charity?