The time is now to start thinking about the future and stop living extravagant lifestyles trying to impress people who wouldn't even know how you are doing when you peradventurely fall.
Definitely now is the best time. A person that doesn't plan his life well at youth usually blame his or her parents or village people for his misfortunes. Forgetting that he had the opportunity when he or she was younger and paraventure. Just like they said time waits for no body. so do time passes and can never be gotten back. The more the day passes the more we grow closer to our grave and we are thinking about it