@wundayatta Let me try to explain with an analogy.
When you’re dreaming, you have the illusion of being a character in some particular scenario. You are in that dreamed world, or at least that’s the strong impression you have. The reality, of course, is quite different. That whole world is none other than the play of a sleeping brain, and that brain, in turn, is densely interconnected with a larger reality.
That dream can be seen from two perspectives. On one hand, it is a fiction; the events and beings in the dream are illusory, and in the morning their brief dance across the stage of our awareness will likely be forgotten. On the other hand, seen as the functioning of a real brain seamlessly integrated with reality writ large, that dream is not something other than an escapade of that larger reality.
The “you” in the dream is not really you. That’s easy enough to accept. We have no problem understanding that even as the brain is imagining another version of “you” operating in some other elsewhere, the “real you” is safe in bed, sleeping away. That’s difficult to accept from within the context of the dream, but we can clearly see it from the perspective of wakefulness.
Just as true, though harder to understand, is that the “you” who you remember being, and the “you” who’s future you’re planning, are also just characters in a fantasy spun by that larger reality. From within that fantasy, this is difficult to accept. It only becomes obvious from a perspective that sees the fantasy in its setting within the larger reality.
That perspective is only gained by disassociating oneself from that fantasy of past and future. That doesn’t mean instead constructing a fantasy about being “in” the present. It means letting go of ideas about being “in” anything at all. If we are anything at all, we are the present, including its little fantasies about past and future.