I work in coastal planning, and the latest IPCC report keeps circling in my head. My town is already seeing more frequent 'sunny day' flooding during high tides, and property values along the shore are starting to slip. But when I talk to residents, many still see climate change as a distant problem, not something that affects their insurance premiums or their kids' school routes. If adaptation funds are limited, should we prioritize protecting high-value waterfront developments or relocate communities inward? What's the fairest way to decide who gets help first when even the experts can't agree on the timeline of impacts?