We are all taught to practise mental strategies such as “contingency planning” or “saving for a rainy day” or “thinking ahead”. And with good reason: they are eminently useful & practical.
But I think they ought to come with a proviso, because we all have an unfortunate tendency to neglect the present for the future.
And neglecting any “now” for any “then” is most unwise, for it is in our present that we initialize our futures.