This is your own point of view dear, but I don't believe that there is a certain time to start a business.Most people wait till they are close to retirement or when they have excess funds before they start thinking about starting a business. The following are the times I believe is best for anyone to start a business.
1. When you are young.
2.when you have no responsibility
3.when you don't find pleasure in working for others.
4.when you have an incurable obsession. Etc
Feel free to add yours.
Because a person can do everything if he really desire to do it, simply I believe on this saying "i do not know what taking a right decision I just take a decision and make it right".