My plan is to crumble with it.
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If people could plan for retirement during the cold war when nuclear annihilation could happen at any time then you can plan for it now.
Pretty sure ecological and climate collapse are not the same thing as, eh, maybe they'll drop nuclear bombs, maybe they won't.
Obviously, they're not exactly the same. My point is people still planned ahead even though there was a chance the world would end. And people should do that now, because I think it's more likely that civilization will continue.