I see what you're saying. I'm not necessarily trying to disprove you, just saying things from my point of view. I realize that the time commitment that comes with working can drag you down, but depending on the work you're doing you can make progress in other areas. I just want people to keep their options and opportunities open because you never know how they might turn out.
I've witnessed the same thing as you with people living in the moment. I've been trying to hit some of them with some long-term thinking knowledge. For example, I was talking with a dude in a couple of my classes and we were talking about post college and financial security. His view? I'm going to get a job and get an apartment and buy a nice car... and that's it. And this comes from a middle class kid who has faced little to no adversary in life. Now, what did I lay out for him? Get a Entry-Mid level job. Within 5 years move into a senior position. Within 5 years of that move into project management, then assess my options following that.. All the while investing in the market and building assets (and I realize this sounds like
given the posts you'll find on The Coli). I don't know what it was, but this past summer changed me from thinking a year down the line to thinking 5, 10 years down the line. I personally was never "living in the moment" type of person but when I realize the possibilities out there... 
