I had a teacher that loved to put inspirational quotes up on her wall. The one that always stood out to me was about planning. The one that stand out the most is: "If you fail to plan, you plan to fail." This quote is true about many situations, but especially your finances. Every major financial step you take will need careful planning and prep. If you keep putting off planning and paying for retirement or other similar things, you may find yourself in a position where you aren't ready to take the next step financially, even though you have wanted and hoped and dreamed about it for years.
Each career move you make, and the major financial decisions such as starting a family, buying a home and retiring early will happen when it is right. Sometimes you may feel like these opportunities just fall into your lap or into the laps of the people around you. But if you are not ready for them, then you will not be able to take advantage of them. It is important to have the next step in mind and to be actively working to make that happen by either getting out of debt or by saving money to achieve that goal. That way when the time is right you can move forward because you're prepared for the next step.