I have to many ideas to keep in my head, so being an author is great. I get to sell my ideas boy is it EXPENSIVE!!
You have to pay for editors, book covers, marketing, etc. Don't get me wrong I love being an author but it's not for the fame or glory. Most authors don't get that they just enjoy what they do. I say all that to say do what you dream of doing now.
If you wait until you have more money, stability, .kids go off to school, etc. It will never happen