Depends on your personality type, some people feel more secure planning for the future, others like to cross the bridge when they come to it, me for example, I'll admit I am pretty reckless, but it works best for me, It's not like it's got me killed yet. I hate worrying about the future, especially seeing as I don't have the power to change most of it. I only plan when I know things are going to fall exactly into place as to avoid crushing disappointment.
Well I try not to worry about the future, but that doesn't mean I disregard it until it's in my face.