There will always be a reason why now isn't the right time. But time isn't a resource we can ever get more of. We have today, right now, and that's it. No one knows what tomorrow or next month or next year will look like. Maybe you'll be less stressed and have more money and be looking for things to fill your day...but is that realistic? If you change nothing today, is tomorrow likely to be better? Every day you wait just puts you further away from reaching your goals.
