The best time to take action is not when you have more money.
Or when you've finally figured all of your stuff out.
Or when you're more comfortable.
The best time to take action is when you're uncomfortable.
When you're feeling the pressure to change things.
When you have to make things happen.
No pressure, no action.
There's no need to change things when you're comfortable.
And unfortunately money almost always gives us this feeling of comfort.
Even though we might not be happy.
Even though we might want to take action.
Even though we might want to change things.
But we can't. Because we're just too damn comfortable...
[Related: I stopped giving a shit a long time ago]