Yesterday my post was about preserving your knees so you can enjoy your body for the long term. Several people expressed the opposite philosophy, that you should enjoy life now, even if it means more health problems later. I hear that same philosophy when I get into discussions about proper diet. But it seems to me that unless you are already taking heroin, you aren't being true to your own philosophy. You should be enjoying a good high now, not worried about what happens later.
I rarely make an important decision without considering the 60-year implication. My cash flow projections for retirement end at age 110. That's why the house we're building has an elevator.
I've always been this way. When I was in second grade I was already planning for my life as it is now, spending hours each day drawing comics. I assumed that would be my job. My focus changed by high school, to becoming a lawyer, so I buckled down and got good grades, figuring I'd need them. Things change, but I always have a plan.
The downside of planning so far ahead is that you worry more, and you probably enjoy today less. The upside is that your golden years might be a bit shinier. I'm not saying my approach is the best, but I don't think it's fair to call the "live for today" approach any kind of philosophy unless you're also quitting your job, having unprotected sex with strangers, and snorting coke. Junkies have a philosophy. You have rationalizations.