Improvident

When we use the word improvident to describe someone, you want to express the meaning that person does not consider the future too much.
She did quit her job to take care of him, but they were improvident and did not buy long-term care insurance.
On the other hand, if we make improvident choices, the bright horizon I’ve described will not materialize.
Paris and Berlin, in particular, wanted to rescue their improvident financial institutions.
Much of the poverty and crime which now exist have been caused by mistaken charity in past times, which has caused a large part of the population to grow up careless, and improvident, and idle.

Improvident这个单词为形容词，其表示“not given careful consideration”这一含义，即“没长远打算的/不考虑未来的/短视的/轻率的”,与shortsighted/myopic为近义词，与provident（未雨绸缪的/有远见的）为反义词。
具体使用场景如下：

Her improvident habits left her with no retirement savings.（她平时毫无长远打算的习惯导致后来没有退休积蓄。）
–News
The history of emerging markets is full of imprudent investors as well as improvident borrowers. （新兴市场的历史充满了轻率的投资者和缺乏远见的借款人。）
–Business
He conceded that most of the blacks were improvident and poor, but believed that their condition was not due to deficient understanding but to their lack of education.（他承认大多数黑人都是缺乏远见和贫穷的，但相信他们的状况不是由于缺乏理解，而是因为他们缺乏教育。）
–Culture