adulting in the age of fire and mass extinction

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how do people do it?

how do you start a retirement fund wgen the ipcc predicts collapse of civilization within my lifetime?

Ignore whatever doesn't help you beat other people at the social climbing game.

I'm not planning for the future, I figure that's how I'll end up king of the ashes.

It’s not as drastic as all that—except for the victims of fires and other aspects of aspects of global warming. And other world events which displace people.

It has always been stylish to preordain an Apocalyptic ending. Makes one seem edgy.

Saying this, I am fortunate that I’m insulated from world events.

I shouldn’t Pooh-Pooh the fears people have these days—but I don’t believe most of us are headed for imminent catastrophe.

Advances in application for wind, solar, vertical farming, possibility of nuclear fusion taking real steps forward, that's the kind of thing that has me hoping that we won't need to see effectively 20 Syrias go off at the same time if global warming properly kicks in or have nuclear powers going to war over water.

The future is bleak. I have a lot of chronic illnesses that I rely on the healthcare system, social services, government to be intact. I really don't see any hope humanity will overcome the challenges of climate change, Kessler syndrome(chain reaction of space junk destroying all objects in low earth orbit disabling GPS which modern society relies on), microplastics contamination of the entire planet's ecosystems, or even the long-term economic damage from COVID19. I don't plan for the future and haven't for years because I don't see any future. I just live one day at a time, trying not to think about the future.

I'm sirry to hear abput your health issues - and while I personally don't have any serious chronic issues yet, I obviously also totally depend on the healthcare system (you'd have to be quite wealthy to not depend on socialized services, really). Housing prices are currently shooting through the roof and I'm worried about being able to make rent, because I sure as hell can't afford to buy/will get credit anytime soon.
that's in part because I work freelance, and for some reason banks consider that very risky, while a person with an employment contract has three months before their income stops coming in, and that's somehow signoficantly safer. The other reason is that that's Germany's reaction to 2008: the housing-bubble was answered with restricting credits and flooding the banking sector with so much money, they don't know what to do with it but buy up property.
it's a joke, and an explosive one, on a national scale. we already got our new Nazi-party, the AFD, who, among other things, also rightly accuses the current government of setting up this explosive joke. It makes me pretty angry to see the how the f*****g Nazi-party is in some aspects actually right.

>the ipcc predicts collapse of civilization within my lifetime?

Not gonna happen. Don't sweat over that.

Environmentalists correctly predicting the end of civilization?

You're more likely to be impaled by a drunkard/junkie behind the wheel of an automobile, even if you live in the alps