@FluentInFinance tip for people in your 20s:
The modern financial market is inextricably tied up in mortgages based on housing that will lose value as the climate changes. The more the climate changes, the less trustworthy the financial markets are.
We're in for decades of 2008-2010 markets as the suburbs and exurbs become uninsurable while they also suffer more frequent disasters.
Don't depend on the conditions and climate of the past or take the suggestions that create the problem.
Learn something useful for our changing climate, you'll always be able to get paid.