When are you going to learn? Earlier is wiser. Later is not. 
Why not? 
Because now is best. 
What if you have to wait? 
When have you had to? If you really want to get it done, prayer is the first step. 

When you have to first step down, then you get into the second step. You can't have the first without the second. 
Why do you have only one CD? 
So I don't waste them. I only have a few. 
Do not count what is not in your hand.