Pilgrimage becomes obligatory when the ability first is obtained.
To delay the Pilgrimage at all past that point is a sin. In other words, with the exception of the support of dependents, leave for Makka as if you are never going to return. And whatever good you do, Allah knows it. If you become forgetful they will remind you and when you are in remembrance they will aid you. If you become frustrated they will help you to have patience.