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If someone has the money to go to hajj, but they find that they are not ready to go to hajj is this good enough reason not to go, because no one is certain about death isnt it better to do it because it is a duty of every muslim to go if they have the money to go, or what if they have excuses like they want all their children to get married before they go Hajj etc

الجواب حامداومصليا
The only acceptable excuses from not going for Hajj include: financial capability, physical capability, security of path of journey, permission from the authority to enter the Kingdom of Saudi Arabia or the permission from one's own country to leave.
If someone does not faces any of the excuses above then he must go for Hajj as soon as possible. Delaying it further for any other reason would cause sins to accumulate.
And Allah knows best.