This is happening to me first this year (admittedly, it’s the first year where I have decent enough leeway to make it happen). My IPS includes a rule that 10% of my take home income gets dedicated to donations and I’m having trouble convincing me to up my current donations to meet that number, thinking it’s delaying FI, which I feel like I need (because of inadequate job conditions).
I’m working on acceptig that the point I should work on is my current work conditions and that my planed donations are not the problem. I’m not sure yet if I’ll reach that state of mind.
I like your approach to this (you’re actually very inspiring in that aspect). How do you plan to handle it after retirement?