There's no such thing as the perfect time. Waiting to do anything until the moment is precisely right or you have all your ducks in a row could be postponing the blessings of your life or the blessings you have to offer others. While it's not necessary to be reckless, it is wise to seize the day.
So if you are waiting to propose until you have your act together completely, just know that you'll probably never completely have your act together. And she deserves to know that all you think about is spending the rest of your life with her.
If you are waiting to have a baby until the time is right, keep in mind that you'll always have financial responsibilities and something else is always going to come up.
Your dream vacation can stay a dream or you can just do it. Taking off on a Friday afternoon to golf with your son and your dad could wait while you work 60 hours a week. Volunteering to serve Thanksgiving meals to the homeless is an opportunity that comes back around every year so you can afford to just talk about it one more time.
You might have an AWOL duck and the present might not be perfect. But there's no time like now to spend with your family or to say "I love you" or to donate to your favorite charity.
There's no time like the present.