For a website having users. Each user having the ability to create any amount of, we'll call it "posts":
Efficiency-wise - is it better to create one table for all of the posts, saving the user-id of the user which created the post, for each post - OR creating a different separate table for each user and putting there just the posts created by that user?
The database layout should not change when you add more data to it, so the user data should definitely be in one table.
Also:
Having multiple tables means that you have to create queries dynamically.
The cached query plan for one table won't be used for any other of the tables.
Having a lot of data in one table doesn't affect performance much, but having a lot of tables does.
If you want to add an index to the table to make queries faster, it's a lot easier to do on a single table.