How do you guys manage the things (preparing for future while enjoying the present)

Can somebody tell me on enjoying present while preparing for future. Managing money, career, time, relationship so that there is minimum regret in the future.

About myself, i am 31. All my 20's was spend on getting good ranks in entrance , then good marks in college and then getting a job. I have very less saving and now feels no sense of security in life

I had never enjoyed the present in my 20s and was always worried about the next milestones.

And even though i was from a good college , i was jobless for few years and i managed to get into a very average profile job as dev in bangalore. Covid had played a bad hit during my career.

Thinking back, i never enjoyed the present and was always looking at the future.

It feels like a loop.