I liked this quote about not delaying the study of philosophy. Apparently this is an old problem. From Seneca’s Letters from a Stoic, Letter 17:
Why, then, should you reject Philosophy as a comrade? Even the rich man copies her ways when he is in his senses. If you wish to have leisure for your mind, either be a poor man, or resemble a poor man. Study cannot be helpful unless you take pains to live simply; and living simply is voluntary poverty. Away, then, with all excuses like: “I have not yet enough; when I have gained the desired amount, then I shall devote myself wholly to philosophy.” And yet this ideal, which you are putting off and placing second to other interests, should be secured first of all; you should begin with it. You retort: “I wish to acquire something to live on.” Yes, but learn while you are acquiring it; for if anything forbids you to live nobly, nothing forbids you to die nobly. There is no reason why poverty should call us away from philosophy, - no, nor even actual want. For when hastening after wisdom, we must endure even hunger. Men have endured hunger when their towns were besieged, and what other reward for their endurance did they obtain than that they did not fall under the conqueror’s power? How much greater is the promise of the prize of everlasting liberty, and the assurance that we need fear neither God nor man! Even though we starve, we must reach that goal. Armies have endured all manner of want, have lived on roots, and have resisted hunger by means of food too revolting to mention. All this they have suffered to gain a kingdom, and, - what is more marvellous, - to gain a kingdom that will be another’s. Will any man hesitate to endure poverty, in order that he may free his mind from madness?
Therefore one should not seek to lay up riches first; one may attain to philosophy, however, even without money for the journey. It is indeed so. After you have come to possess all other things, shall you then wish to possess wisdom also? Is philosophy to be the last requisite in life, - a sort of supplement? Nay, your plan should be this: be a philosopher now, whether you have anything or not, - for if you have anything, how do you know that you have not too much already? - but if you have nothing, seek understanding first, before anything else. “But,” you say, “I shall lack the necessities of life.” In the first place, you cannot lack them; because nature demands but little, and the wise man suits his needs to nature. But if the utmost pinch of need arrives, he will quickly take leave of life and cease being a trouble to himself. If, however, his means of existence are meagre and scanty, he will make the best of them, without being anxious or worried about anything more than the bare necessities; he will do justice to his belly and his shoulders; with free and happy spirit he will laugh at the bustling of rich men, and the flurried ways of those who are hastening after wealth, and say: “Why of your own accord postpone your real life to the distant future? Shall you wait for some interest to fall due, or for some income on your merchandise, or for a place in the will of some wealthy old man, when you can be rich here and now. Wisdom offers wealth in ready money, and pays it over to those in whose eyes she has made wealth superfluous.” These remarks refer to other men; you are nearer the rich class. Change the age in which you live, and you have too much. But in every age, what is enough remains the same.