Am Australia, m, had this fear at age 20 in my first full time job, naively did all I could to plan to retire at 30, didn't pull that off.

However went part time at 35 and retired to a cheap, small off-grid cottage in the bush with a like minded f at 40, and am now 59 (no welfare, inheritance etc) i just did not want to work until i died. Climate change arrived , northern NSW became a burning wreck and was getting hotter and hotter and we've now moved as far south in Australia as you can, to Tasmania.

Any one starting work today is likely to see the collapse of civilisation from climate change, so there is that.