How long can I wait to replace timing belt?

What does the owner’s manual say is the replacement mileage for the belt ?

You can’t afford NOT to .

What happened to that rainy day fund you started when you bought the car because you knew you’d need it ?..it’s raining !

The belt is only $23.00 but the repair is all labor to get in there.
In fact, just to ‘see if it needs it’ will expend most of that labor anyway.