A former boss of mine told me once: "if you think you need X before you do Y you will forever find Xs". He went on to be a very successful CEO of a F500 company so his advice likely has merit.

The takeaway I had was that you shouldn't wait to live your life by first toiling away at something. Live your life today because who knows about tomorrow. And work is part of life. Find a way to enjoy that too even if it's a means to an end.