If the future is so uncertain, then saving money you might never get to spend might not make sense.

Most of us have heard the advice that we should start saving for retirement early, and save as much as possible. You might wonder whether that advice makes any sense given the growing uncertainties about the future, especially regarding the impact of climate change. If the future is so uncertain, then saving money you might never get to spend doesn’t really make very much sense.

So I created a tool to help me think about this problem. I’m not going to claim it’s accurate, revealing, or even useful. But it is food for thought.