It all feels so bleak. If everything stays the same (this is unfortunately the optimistic outlook), then by the time I reach retirement age I’ll have to keep working full time anyway because they’ll raise the age for benefits and everything will be more expensive. I’ll work full time until I die. It makes saving for retirement feel so pointless, even without thinking about how climate change will probably alter the way the world works (for the worse) over the next 30 years.