How annoying is carpe diem?

How annoying is carpe diem? How are you supposed to plan a life? A career? A family? If you're always "carpe"-ing the "diem"? We'd all be too busy living in the now, whatever that means. I'll admit the Romans had a point. You gotta to live life. And living means that every morning when you wake up you have to chose between seizing what life offers in the moment and forging ahead, no matter the weather or closing the curtains and shutting out the day.