I think it is a 50-50 things and should be treated as such. We cannot tell the future but there is no saying that we are in the future we fear. So we cater for both timeframes--now and the future. Although these days the future has began to matter more and I am learning to delay gratification but not totally. The goal is to be in a position where I can take more complex risk and not be afraid or deterred.

Enjoy your youth, and plan for old age.