Your question, "how is it affecting your life?" is a good one. I moved from Tucson, AZ because we had a fire a few summers ago that obliterated air quality for weeks...and a few weeks after we moved, another major fire hit. I moved to Arkansas. Here, I'm not much affected--except for rising food & gas prices like everyone else. We also left Tucson because of the coming water crisis and longer summers. Now we are seeing more headlines about western water shortages, with Lake Powell and Lake Mead down to 30% capacity or less.
The other ways I've been affected are the same as most people: Covid, although I've been lucky to not lose anyone close to me, and restricted travel.
Americans are mostly in deep denial about global warming. It doesn't help that the media focuses on short-term crisis and headlines about climate only come up when a big climate event happens. At this stage, I believe humanity's best hope is to get hit with another pandemic, so we will stop traveling and gobbling energy (as we did, to some extent, with the first big wave of Covid). Just my two cents.