That's the neat part, you don't. At least as far as the younger generations is concerned there is no future for us, even if you don't include climate change. Laying flat / quiet quitting, etc. movements are not accidental.
It's the realization in china that their efforts will never amount to meaningful rewards, hence they scale down the effort to what's absolutely necessary for survival. Living without a home and only working maybe 1 day a week to get enough food to not die. Equivalent in Europe would be to just be homeless and get by on social security, US probably getting by on food stamps.
What you see here is subtly different: they see the sword of damocles. Whatever they may do, the end may come at any point and they have no way to influence it.
But to go back to the initial question of what to do: you ignore it. You cannot do anything about it, hence you can only gamble that it doesn't manifest and work under that assumption. If it does manifest youre fucked anyway. But if it doesn't, you're gucci
I'm not sure what would be a more apt parable, something about being a leaf in the wind, or trying to swim upstream, aka powerless that no matter what you decide, how you act, bigger phenomena than you is the only thing that matters?
There was and still is a lot of hazard (and lack of control) in anyone's life. It gets either mitigated (somehow, when possible), or assumed & ignored. So, no need for parables, as this just sounds like life, as it always been, no more and no less.
Most people thinking about predicting the future are asking for either more details which we cannot give, but the trend is good enough and nobody thinks about it.
Hell, some of the largest civilization upheavals and collapses were due to localized climate disruptions (sometimes planet wide). Volcano in place (a) erupted and the temperature dropped enough to impact growing cycles, etc
i can have a kid because i can afford it, because i have a job, and my housing situation is stable
i can take time off to recover from illness because i won't get fired for being out of office for a week
i can pay for other life infrastructure like a car or a new roof because i know my pay and job is stable and i'm not going to move
i don't need to stockpile food water and ammo because the government will be mostly benevolent and effective, and disasters will be infrequent and mitigated.
i don't need to wear a bulletproof vest to go to work because my streets are reasonably safe, and i'm not going to get drafted to fight in a war.
etc. etc. etc.
To remove the future from the equation, the current situation at least must be able to handle it nicely.