After all the fumbling and blunders in life, people begin to think of the needed change. That's what we may call a conversion, that comes by God's grace and our cooperation. As St. Augustine once said: "God who created you without your intervention cannot save you without your cooperation." That's because salvation by God's grace respects man's free nature.
You must therefore begin your conversion here and now. The infallible word of God says so: "Man does not live on bread alone but by the words that come from the mouth of God" (Mt. 4:4). Even the little you can do here and now is vital and important since "the man that can be trusted in little can also be trusted in greater things" (Lk. 16:9). The Chinese sages used to say that the journey of a thousand miles begins with the first step.
Don't postpone or procrastinate. Begin the step here and now, however little it might be. God is pleased with humility that appreciates doing even little acts of love. "Seek Yahweh while he is still to be found, call to him while he is still near" (Is. 55:6). Do it, here and now. People successful in the world of business also make their proposals and plans in similar wise. We should also do so in our battles for God's kingdom.