Choosing the hard thing early is how you buy yourself easy options later.
RESILIENCE
RESILIENCE
Difficulty does not vanish, it moves. Taking it on while you have time, energy and few obligations means paying at the cheapest possible rate, and what you get back is a wider set of doors when it matters. The reverse also holds. Comfort now tends to arrive as a narrow list later.
Look for the thing you keep postponing because it would be genuinely hard and is not urgent. That is usually the one worth starting. Give it a small fixed slot rather than waiting for a stretch of free time that is not coming.
What hard thing now would make your twenties simpler?
Free, with nothing to buy inside it.