The phrase when things settle down imagines a season that life has not agreed to provide.

When things settle down describes a condition that rarely arrives. There is always a next stretch of pressure, and the calm interval you are waiting for is not scheduled by anything except your hope. Postponing a life until then means postponing it indefinitely, which is why the phrase does so much quiet damage while sounding so reasonable.

Take one thing you have parked behind that phrase and move a small piece of it into the current mess. Not the whole thing, just a first step that fits the life you actually have. If it cannot survive contact with an unsettled week, it will not survive waiting for a settled one either.