Dilemma

How is one to live her life like she was dying if it's highly likely that her life would continue for the next 50 years? If I knew I only had a month left I would spend all my savings going on trips and having lots of fun. I would also engage in higher risk behavior than is typical for me. It just really aggravates me when people say to live life right now. How can I do that when I am supposed to act responsibly to preserve my reputation and save for the future?