If you want to start a business, start a business and forget about waiting for the "perfect moment." The situation will never be exactly right. You work with what you have, not what you wish you had.
In a sense it's like having a baby. There are always 100 financial reasons to postpone, but if you wait too long (despite 100 good reasons!) you wind up saying, "I wish I done this years ago!"
If you want to start a business, start a business and forget about waiting for the "perfect moment." The situation will never be exactly right. You work with what you have, not what you wish you had.