Does owning $19,000, from which the cost of Hajj is estimated at $3,000, coupled with the saver's fear of a straitened life and deteriorating work, while possessing provisions and a ride, constitute the ability that necessitates immediate Hajj?

Hajj is immediately obligatory upon the able-bodied, as Allah Almighty says: (And Hajj (pilgrimage to Makkah) to the House (Ka'bah) is a duty that mankind owes to Allah, those who can afford the expenses (for one's conveyance and provision for himself and his family during Hajj)). The Prophet (peace be upon him) encouraged hastening to perform it. So, if you find more than your basic needs, you can use it for Hajj, and you must take the initiative, and do not pay attention to the doubts of fearing scarcity of provision; for Hajj is among the reasons for its increase and it negates poverty and sins. So, trust in Allah and hasten to perform Hajj as soon as you can.