"DO NOT WAIT" is all well and good ... ASSUMING that while you're making memories when not too old that you're also making provision for where the money is going to come from when you are in fact "old and making memories". Everything I read nowadays predicts that upcoming U.S. Baby Boomers are in general going to be in trouble in the retirement department.
The real trick is to somehow be able to do both. If doing both does not look like it's going to be possible, then my vote goes for making provision for where the retirement money is going to come from. Not eating dogfood and having to reuse your disposable diapers have to rank as higher priorities than being able to go on RV trips ... IMHO.