Why do I keep waiting to start my retirement account?

Three years is not an accident. Each month you made a choice, and called it patience. Reason asks a plain question: does waiting for perfect income serve you, or only comfort your fear of the next step? Self-employed income rarely settles into calm water. If you wait for stillness, you wait forever, and your later self pays for it. That later self deserves the same care you give your present self — she is not less real, not less worthy of provision. You are not doing this alone. A pod or partner can hold what you keep avoiding alone. Use them not to judge you, but to see clearly what you cannot see when you are inside the excuse.