I’m sure someone already said what I am going to write. Someone must have. It’s so obvious, so simple, someone must have said it. Yet, in my 76 years, I can’t remember anyone saying it, not directly, anyway.
The longer you put something off, the less options you’ll have. The more you make the wrong decisions, the fewer options you have.
Conversely, the more time you prepare, the more options you’ll have.
Think about it. I wish I had, about 60 years ago.