There is never a perfect time for a big step, to follow your heart, to do something remarkable or unexpected.
The circumstances will never align, your financial or personal situation will never be ideal, and you will never find enough time to plan and prepare everything for your big step.
You really need a leap of faith. It might not work out, but the worst case is likely not nearly as bad as you think. You won’t die of starvation, but you might have to find another job or swallow a bit of your pride.
Just a chance to end up living your dreams and getting plenty of new experiences that will help you grow in every way imaginable is much better than all the downsides combined.
And if that’s the case, why wait?