The logic of life philosophy

Here is my current dilemma. I can not decide which is a better, "life philosophy." Living responsibly and planning for the future, or living like the future is no guarantee, in the here and now. The general thing people love to say is live like there is no tomorrow. I am pretty sure no one other than the sickly well off even have that ability. I like the whole idea of it, but chances are good that there is going to be a tomorrow. Without a tomorrow is there even a reason for living today. I am pretty sure I will never live like there is no tomorrow, doing so would be rather depressing. I will plan for the future and work for the future, always striving to reach some goal some prize, but I will never neglect the present. I think all that I really need to do now is to continue to look at the future with hope and determination while remembering that the present was once the future I looked to. By doing that I think I will be able to enjoy the present to the fullest and make sure if I live to tomorrow that tomorrow will also be enjoyable. The only thing about living like there is no tomorrow that has merit is not putting stuff off untill tommorow, not because there is no tommorw, but because not putting it off makes for more avalible things to do tomorrow. Moral of the blog: Live like there is plenty of time today, and also a tomorrow.