It is generally recommended to create a plan and start working on your financial goals as soon as possible. Delaying action can cause you to miss out on potential opportunities, and the longer you wait, the more challenging it may become to achieve your financial goals.
Creating a plan allows you to set clear objectives, identify potential roadblocks, and develop a roadmap for achieving your goals. It gives you a sense of direction and purpose, and helps you stay focused on what you need to do to achieve financial success.
However, it’s also important to be realistic in your planning and consider any potential risks or challenges that may arise. Make sure to do your research and seek advice from financial professionals or trusted sources to ensure that your plan is sound and achievable.
In summary, it’s best to create a plan and start working on your financial goals as soon as possible, while also being mindful of any potential risks or challenges that may arise.