I'm having a hard time WTTC right now..

I've been WTTC for 2 and a half years. To be at the optimal time or supposedly the time that would be perfect, we'd have to wait 1-4 more years.. I don't think I can wait that long. Not everything is in order right now, but it possibly could be by the time the baby was born. It'd take a hell of a lot of work, but I really think we could. Idk. Is it better to wait and try and work for the absolute BEST you can give your child, or to just wing it and hope for the best? (I know the answer to that. 😒)