Wait ?? Too late...
I have known plenty of guys who have chosen to wait to buy a house untill they reached their chosen major, wait to get married till they upgraded, and, wait to have kids till they had reached their desired base.
Most of them are still waiting while life is passing them by. Good women affordable housing and offspring don't grow on trees and aviation careers usually do not follow a schedule carefully laid out by us.
While pilots wait to start living the days of their lives are slipping away.
SkyHigh