You don't achieve success by "taking it easy" or "working on it later." You achieve it thru persistence and hard work.
Find out where you are at, where you are going and build a plan to get there.
The biggest risk a person can take is to do nothing.
Are you really going to let a toilet stand in the way of you and financial independence?
Listen to the advice from the one who's already achieved your goal
My rich dad taught me to focus on passive income and spend my time acquiring the assets that provide passive or long term residual income...passive income from capital gains, dividends, residual income from business, rental income from real estate, and royalties.