It can very difficult to know when to implement life changes that we hope will improve our lot. "Don't wait too long" was the advice given to me years ago by the wise nursing home resident; it will always be true.
Timing is important. Plan well and carefully. Line up as much as possible before extending yourself too far. When the time is right, move forward.
All easier said than done but do-able. The right time to begin is always right Now.
Live well, now.