>Between climate and the looming covid recession, is there even a point to planning for the future?

For real? Imagine having lived through a global depression, fighting a world war on the other side of the planet and watching an entire society vapourized by nuclear weapons, all in the span of a decade.

>I might as well enjoy my money while I can do things with it.

You should always enjoy your money, because you can't take it with you.