It's possible to live in the moment and at the same time make your current actions serve your larger goals.
Having been out for 17 years, I can sincerely say that learning to plan for the future - retirement, etc., has taken some work, and I still struggle with it sometimes. I know that getting involved in long-term goals has been a transformative act for me.
There's a Zen story of a monk who is being chased by a tiger. He slips off of a high ledge while fleeing the tiger, and is hanging by a root over a chasm. In front of him growing out of the side of the cliff is a strawberry bush with a ripe strawberry. The monk eats it and says, "This is a very good strawberry".
Now that's living in the moment.