One of the saddest sentences in the English language is "I'll do it when I retire." you might not make it to retirement busterbuddykk. Your dad's friend didn't. Your coworker's husband didn't. The cemetery is full of people with plans for next year. Do it now. Do it broke. Do it scared. Do it wrong. But do it while your heart is still beating because it won't beat forever and it didn't sign a contract to wait for you to be ready.