There is no perfect time, condition, or situation to pursue your dream. Conversely, if you aren't making progress, it isn't because of external circumstances. Yes, these can put road blocks in your way. But if your dream is something you intend to do, no matter what, you will find a way around them.
I haven't read a ton of "Christian fantasy" books, but I have read some. And I always wonder afterwards if the real God of the Universe would behave as the author imagined he would. And I wonder if I really have the right while "playing God" with my own characters to cast the real God as one of them.