Sharon, the real decision here is whether you feel ready inside yourself. All the other parts of the decision (money, time, career, sibling readiness) can change and will change over time, the important thing is that you're are in a place where it's right for YOU. If you get that internal 'yes' and a sense of peace, then do it. If not, then wait, the 'yes' will come when you are ready.

*Hugs*