Okay, so "taxable units" have nothing to do with the Pledge then.

Thanks.

Asked this question because in The Life You Can Save, there is a section dedicated to this question regarding the pledge :
"
I only earn $75,000, but my partner and I have a joint income of $150,000. Is it my own income or our joint income that I should enter when taking the pledge?

It depends on whether you both want to pledge, and on how you manage your finances. If you both want to pledge, then we suggest you take your combined income and enter that. Peter’s pledge calculations are based on “taxable units,” which refers to couples in the United States; in many countries, taxable units are individuals, whether married or not. If only one of you wants to pledge and you keep your finances separate, then enter your individual income."

So in general I was asking whether this was a similar part regarding the pledge as in if the married couple counts as a "taxable unit".  So just clarifying then, whether finances are kept separate or put into a joint account, you only donate 10% of the income you bring to the table, not factor in total income and then take 10%?

Hi,

Few questions :

1) If you take 10% pledge now, does it apply to previous money you got/saved? Does it apply to small amounts of money you got (e.g. a friend gifts you 20 bucks as a birthday present) or only just the large amounts of money you get from like a job or whatnot. Also, do you donate every month or every year? Honestly, why not just wait until you are dead before donating it in your will? There are also things like Certificate Deposits where you have money stored in a location where you don't want to withdraw it too early to get interest.

2) Does 10% just apply to income or wealth in general? 

3) What's the point of the 10% pledge if you encourage people to find a level of giving that suits them?

4) I live in the USA. I'm not sure if donations are tax-deductible. If they are, what is the process of making sure that you get them deducted from taxes?

5) What's the most effective charity to donate to? Like I see there are multiple charities listed. But if you donate your 10% to a less effective charity thats listed (like idk x bucks to save a life for one charity, x+1 bucks to save a life for another charity), is that counted as part of the 10% pledge?