I wish I didn't have a child, for his sake. The climate makes things like "retirement" really hard to think about... it just hurts to think about his future
That seems like a very dramatic overstatement. Climate change is a serious problem, but hardly past human ingenuity to deal with. It's not like your children will be in a hell world. It'll be warmer, more storms, challenges due to changing sea level and arable lands shifting etc. It won't be a cataclysm but will play out over decades and centuries.
Your child, and your children's children will be fine.
I don’t have a child, and as someone who makes money by selling my time, retirement is still really hard to think about. Until I have enough money to make money from my money, I don’t think that retirement is a realistic option. And I have enough debt from just living my life that finding that FU point where I have sufficient money is a long, long ways off. Even at my “top 10% of the US” salary.
