I’m struggling with the same questions. Something that helped me (maybe not you) was roughly estimating my Probablity:X happening for a number of different years for example 2030, 2035,2050. Where if X happened my current actions would be irrational. Then depending on how high P was for those years adjusting my actions accordingly. Make sure not to confuse pointless for saving the world and irrational, they are very different for most people.
Retirement account is one thing I stopped contributing to (not advice).
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