Is ready when the house is paid for?
Is ready when the car is paid for?
When you have finished a project at work?
When the kids are grown and out of the house?
When you retire?
Before you have kids and “settle down”?
Before your health fails?
Many people live way above and beyond their means? And creditors love them! Which generally means that they will never pay off their house before their health fails. So that issue rules out when the house is paid off. Consequently again because of the house payment, some people also never retire, that rules out after I retire.
To the best of my knowledge no one really knows or can predict when their health will begin to fail. Accidents can happen or genetics can kick in.
As for employment, work is an ever-changing environment, companies merge, companies fail, rules and benefits change.
When all of this is considered it seems to me that “ready” needs to be now.