The sooner you start building your list the better. Just because you've heard "The Money is in the list" a million times, don't treat it as a cliche.
It amazes me how many guys I come across who are trying to make it in Internet Marketing and they've not even set themselves up with a decent auto responder/list service.
If you begin building your list today then YOU WILL be financially more secure in three months time. If you don't... then you'll just bumble along for another x months until you do finally accept the fact that building your list is the way to go.