The question comes up about finding the right time to set up an estate plan as life marches forward. However, the one certainty is that you will always be better off with a plan than without one, according to grbj.com in "Estate Planning: better done sooner rather than later."
You never know when you will need to have an estate plan. You cannot guarantee you will only pass away after you have lived long enough to experience any specific big life-changing event. We all know that life and death does not work that way. Waiting for something specific to happen in your life before getting an estate plan, does not make sense.
It always makes good sense to have an estate plan. Having one will leave your heirs better off after you pass away, no matter how many assets you have or at what stage of life.
Do not wait for something to happen to get an estate plan.
An estate planning attorney can advise you on creating an estate plan that fits your unique circumstances.
Reference: grbj.com (Feb. 9, 2018) "Estate Planning: better done sooner rather than later."