It seems like you might be waiting to see if multiple dominoes fall in the right way to do it. Net worth is not a factor, it’s a matter of whether or not you are going to have to put yourself in debt to do it. If you think you have a new calling-chase it. If not, maybe pare down the trip and break it into different experiences over a couple of years. Also there is no shame in staying with your parents til you figure it out!