Most people fail to do what they really want because of their own inhibitions.
I suggest that money and time excuses are a distant second.
I told the lady next to me on the square last year that it was my birthday. She asked how old. I said 71. She said “I am 90” and got up to join the line dancers.
You can’t wait forever. I got out of the waiting mode in my late 30’s.
Some things are recent, like “Karaoke: Their Music, My Lyrics”. Others, I continue from my waiting mode years ago, like “Dancing on the Square to Live Concerts — Every Day”. Writing was not a goal, but a discovery.
I will try about anything, as long as it is not dangerous.