Have you ever said to yourself, when X happens, I’ll do Y? In other words, you’re waiting for the stars to align in your favor and then you’ll decide to do what you’ve been putting off for a long time?
In terms of financial planning, my sense is that too many people are waiting for the 'perfect' time to develop a comprehensive financial plan instead of moving forward when life, although not perfect, is pretty darn good. I would suggest that waiting for the perfect time is not only a risky decision to make, it could also end up costing you big time over the long run.