There is a tension here that we should embrace, I think.

Yes, we ought to live in the moment and be present with the people we care about here and now.

Yet, low time-preference and living with an eye to the future is also to be encouraged.

Sure, the goals, dreams, and plans you have today are very likely to change between now and 5 years from now, but not all of them. Moreover, steps you take to better yourself now in preparation for a particular goal you have can often be applied to different goals, should they change in the interim.

I know for a fact that the goals and plans I have and am working toward today are very different from what I was working toward 5 years ago. Yet, not so entirely different that the effort I put toward them was wasted.