The FI-lanthropy Pledge

Join fellow members of the FI community to do extraordinary good.

Financial Independence isn’t just freedom from work—it’s the power to create lasting change. Pledge 10% of your income to transform lives worldwide, while staying true to your FI journey.

Think you can't make a difference?
You have more power than you think.

If you earn ~$60,000/year post-tax, you are in the top 1% globally

The sheer scale of global inequality means that an “ordinary” person living in a high-income country falls somewhere between the top 1 - 5% of income earners worldwide, which means you’re probably on the global rich list.

How rich are you?

What if the top 1% all donated 10%?What could we accomplish?

In just two years, we could use 3.6 trillion dollars to:

Read the full report

Make your commitment:

How does the 🔸10% Pledge work?

The 🔸10% Pledge is a public commitment to give at least 10% of your income to the organizations you believe can most effectively use it to improve the lives of others. This can be 10% of your active income if you are still employed, or 10% of your retirement income if you are fully retired or have scaled back from working.

You choose the charities that you believe can do the most good and report and track your giving on your personal pledge dashboard
We show you your giving history, connect you with other pledgers, and report on our impact as a global community of people committed to creating a better world

Take The Pledge!

Not ready for 10%?

If you’re not ready to fully commit, you can try the 🔹Trial Pledge which allows you to try giving any percentage for a custom duration — you decide!

Try The Trial Pledge!

Be a bold voice for change

We're here to shift the norms around charitable giving in the FI community. Let’s break the taboo of talking about giving—because the more we share and inspire one another, the closer we get to a better world. Taking the pledge makes your commitment clear and shows others that generosity is a natural extension of a rich, purposeful life.

Meet generous pledgers from the FI community

Mock up: Come join us!

And thousands more have taken the 🔸10% Pledge
through our partner organization Giving What We Can

More like-minded givers

Scared you don't have enough to pledge?

People are often pleasantly surprised to find that taking a pledge allows them to have a real impact, without compromising their path to FI. Crunch the numbers with our FREE FI-lanthropy Calculator.

Get the Calculator!

Want to give but don't know where to start?

We believe in choosing charities that are highly effective and well-researched. As optimizers, the FI community values making every dollar count—charitable giving should be no different. Through our partner organization, Giving What We Can, you can discover charities that achieve up to 100x more impact per dollar.

Explore charities

Hear our thoughts on effective giving

We discuss personal finance & philanthropy on the ChooseFi podcast

We discuss personal finance & philanthropy on the MadFientist podcast

I'm a true beginner. Will I be able to keep up?

If you can use a computer and you understand basic math, then you are more than able to take this course and learn to invest.
What do I need to take the course?

You don't need anything, but ideally you are able to get access to all your bank account information so you can begin taking action starting Day 1 of the course.
I wanna get rich quickly. Can you teach me how to do that?

We can teach you how to get rich. But not quickly. Building wealth in a stable, growing manner doesn't happen overnight. If you're looking for a get rich quick scheme, this isn't it.
What type of investments will I learn about?

You'll learn about stocks, bonds, and funds. We do not teach alternative investment strategies such as real estate, cryptocurrency, angel investing, etc. We are solely focused on passive investment strategies, investing without having to spend hours and hours doing research.
Does it matter what age I am?

The strategy we teach in this course is best for those who have not yet reached traditional retirement age. So whether you are still in school or you are well into your career, this course is right for you.
Is this course only for people living in the US?

The investing approach we teach is global in nature, but the nitty gritty accounts and taxes that are explained are U.S. focused.
I heard you used to teach this class live? Why is it online now?

We decided to move online so we could reach more people. The live course had too many time restraints. However, we know a lot of you like to ask questions. So we are still offering live options for groups of people (10 or more). Please reach out if you are interested in something like this.
You said all profits go to charity. What are your costs?

Most of the hard work put into Yield & Spread is volunteer-based. People have contributed their time and energy because they believe in our cause. Therefore, all of our operating costs are attributed to making this course available to you (our website, hosting our course online, etc.) We're quite lean and our annual costs are estimated to be <$700. So every dollar above and beyond that goes to charity.
What if I'm not satisfied with the course?

We're committed to making you happy. If you pay for one of our courses and are not satisfied, you can request a refund within 3 weeks (21 days) after your payment. Please reach out with any questions. We don't offer partial refunds.