You are at any point in time presented with at minimum 2 paths. One path that sees your future dream life and the other that will make your future life miserable in every way. Without doubt both paths stem from your actions today and the next and compound with every decision made.
Use either the vision of who you want to be in your dream life to drive current decisions or use the possible misery of the future to drive your decisions in the present in the complete opposite direction. As for which method will work best for you, remains to be discovered by you and no one else. But if you delay any further, you will be driven down the path of eventual misery. Every decision no matter how trivial, if it is a decision that you make daily then be sure it is the right one.