'Living in the moment' is a metaphor. Thoughts about the future always take place in the present.
I'd also point out that thoughts of the past always occur in the present as well.
And remembering something is not like replaying a movie, but every time you revisit a memory you change it a bit based on your current state.
Remembering is an active process.
But reason corrected the memory.
https://hilo.hawaii.edu/~ronald/310/310-Dennett-MultiDrafts....
I'd like to add that I think 'living in the moment' is powerful and useful despite not being literally true because it points to something real and important.