Other factors besides income affect your financial status. Some groups of privileged people go through life with a tailwind at their back, others with less privilege face a headwind (listen to https://freakonomics.com/podcast/why-is-my-life-so-hard/ for an explanation). For most people, there is a mix of tailwinds and headwinds. Please consider wealth and privilege as well as income.

Consider contributing more when you:

Own your home;
have retirement accounts, investments, or inherited money;
have access to family money and resources in times of need; have significant discretionary expenses like travel, dining out, entertainment, etc.;
have a relatively high degree of earning power due to your education level (or other privileges you may have associated with race, gender, citizenship status, class background, sexual orientation, gender identity, physical ability, etc.). Even if you are not currently exercising your earning power – we ask you to recognize when this is a choice and consider contributing more.

Consider contributing less when you:

Are supporting other dependents or sending remittances;
have significant non-mortgage debt, particularly cash advance or payday loans;
have medical expenses not covered by insurance;
are impacted by state violence (e.g. refugees, asylees and injustice in our criminal system).