Several years ago, I was talking to a college friend about retirement, and he told me that his retirement plan was to assume climate change would get us all before he had to worry about it. “I figure the oceans will rise, chaos will reign, and money will no longer have any meaning by the time I’m ready to ‘retire,’” he told me.
The worry my friend is expressing isn't just about climate change, but also his own money skills. It may feel easier to plan for an awful inevitability than navigate a complex, opaque, and unfair system like American finance. There is a sense that we are going to be screwed no matter what, so all you can do is quip about it.