By Kamaron McNair

Copyright cnbc

Sometimes life gets in the way of you making progress toward your goals. You finally see progress on your savings journey then get hit with a necessary car repair or medical bill. You’re finally ready to buy a house but mortgage rates tick up and suddenly it’s unaffordable.

These roadblocks may be out of your control — and highlight the importance of prioritizing a well-funded emergency savings account — but others aren’t. Telling yourself you’ll start that business or start investing “once work slows down” or “when the kids are out of the house” or “in the new year,” can actually be a non-starter, Sethi says.

Putting off your goals until “‘Later’ is how entire decades disappear,” he wrote.

This belief can trick you into thinking you’re making progress because you’re not saying “never,” you’re just saying “not now.” And that procrastination can end up killing your dreams.

“The timing will never be perfect. Life won’t get magically simpler. The calendar won’t suddenly free up three months for you to get your act together,” Sethi wrote.

You need to take action. And that doesn’t mean trying to build a six-figure business in a day, but it does mean making a plan, breaking it down into manageable steps then working through them over time.

“At some point, you stop ‘waiting for the right time’ and admit: you’re either going to do this or you’re not,” Sethi said.

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