The paradox of living: do you live for today or plan for the future?

When it comes to life and living, there seem to be an unavoidable paradox. No one is guaranteed tomorrow, much less next week. You could leave the house and be taken out by a freak accident, a drunk driver, mugging gone bad, etc. logically since you don’t know which is your last day you should live everyday to the fullest and live it like there is no tomorrow, because there may not be. That lends itself to problems. We being a future centric, obtaining goods and service on time; receiving a bill for them later. We do not pay as we go. One has to plan on what to do if you happen to live into the future. If you went wild and spent all of your resources, you might find the future less fun. Which side of the paradox do you gamble on the most; believing you had better live it up as much as you can while you can because you might never get way down the road of life as you expect, or do you plan carefully because you plan on getting far into the future?