Calculations

When people are asked why they are unwilling to settle in Eretz Yisrael right now, they have all types of cheshbonot - calculations - as to why now is not the time. One says his chesbon is that his children need to finish school or college; another's chesbon is that he has to vest his pension, and so on. If we look in the Torah, though, we will see that before the Jewish people entered Eretz Yisrael, they first killed the King of Chesbon. Once the King of Chesbon is killed, the decision to move to Eretz Yisrael becomes easy.

(Rabbi Avraham Yitzhak HaKohen Kook )