Ultimate Goal in Life: Dreams & Passion

So I was doing some thinking while taking my hot shower. I definitely have to be doing much more than just Job#1, #2 and #3..staying healthy & happy, and maintaining good relationships with family and friends.. But if I wait for the 'coconut-tree' thing (financial freedom - away from 'bad-bad' debts), I would have become older by then, wasted more precious time. There's gota be a way to structure this.. I have to shape up my dreams and passion.. definitely... more thinking on the way..