I have sometimes wondered this, myself. I know, as a spiritual practice, there is a benefit to “living in the moment.” I also know that as a practical matter, there can be benefit to planning for the future, and trying to make things you want happen. So the question becomes, “are the two incompatible?”
I think the issue really is about attachment. We can make plans, and still be living in the moment. However, if we get attached to those plans, and feel our lives are unsuccessful if those plans don’t come out the way we thought they would, then I think we are no longer living in the moment.
Plans are helpful, and it is helpful to think about the future. Thinking about the future doesn’t mean we have left the moment, if, in the moment, thinking about the future is something we are doing fully. Once we lose touch with the moment and become consumed with the future, then it can become a bad thing to plan. We live in our plans, and have no idea what is really happening. We stop paying attention to anything other than our fantasies.
Living in the moment is also about involvement. Are you fully invested in whatever it is you are doing, or are you distracted? Are you paying attention?
If you are doing several things at once, it is almost impossible to be in the moment. Your attention is too diffuse. One can plan using one’s entire attention, and that would be living in the moment and planning at the same time. One can play and stop paying attention to the planning and start being distracted by all kinds of other thoughts, some of which may have nothing to do with anything. That, I think, is leaving the moment.
You can want to be somewhere else as long as you pay attention to where you are. As soon as the wanting takes over from your attention, you start missing life. You start living in your head. Your imagination takes over. You lose touch with reality.
If you pay attention to where you are even as you plan to be somewhere else, then I think you have straddled the two. They are not mutually exclusive. It just depends how you do them.