It's nice to plan for the future, but:
Tomorrow is just that, tomorrow;
while Today is the here and now. I am enjoying the fruits of my labors everytime I get in the car and drive. Whats more, I can do more to it every time I find a little more money and time.
IMHO: Put your money where you mouth is and start doing something. Talk only as much as you need and let actions speak louder.
Tom