I don't exactly have one, because i'm also from the global north (france). I'm betting that before i get to "retire" (i'm not a employee so there's not really a such thing for me) either climate change will collapse the capitalist economy (let's enjoy clear water before industry has used it all) or government will have turned fully fascist and put the rest of us (anarchists, muslims, homosexuals/trans*) in concentration camp...
> it won't change the system
Do what you need to do. But keep in mind together we're strong enough to change it. Changing the system (which can only happen through a global revolution) is the only thing that matters to give new generations a chance to live a better life than the shitty one we had... and to escape all dystopian scenarios that are slowly coming to life.
So sign me up for the revolution mailing list but let's get some content.
I am not a huge fan of capitalism, but here I am living in a world where it exists and I have to survive in it, it's. It going to change before I retire so I need to invest in the stock market via a retirement/pension fund. Of course I could choose not to do that but the only cost there is a negative one for me, it won't change the system.