I especially like the change in gender half way through. Almost certain it was intentional.

Yeah, it was intentional. I noticed a while ago that I almost always used masculine pronouns when the gender was really irrelevant so I've been forcing myself to switch it up a bit. I think I first noticed after reading a comment on an article on Fred Wilson's blog where a guest author did this too.

You mean spend the first half of your life as a man so you're paid more, and then change gender when it's time to give your money away? Brilliant!

Make sure you keep the emphasis on "may" - I think it's important to note that this is not a hard and fast rule, it's just a theory.