I'm going against the stream to say you can wait.
I've read of original timing belts make it over 200k miles. A lot of people get them to go for 100k-150k with no issues. And if it ever did snap, all you have to do is get it towed. A little bit of a hassle, but if you don't have the money for it right now don't stress.
What you do want to look for is if you ever get coolant leaks from the bottom of the timing belt cover (bottom front of engine, there's a little drain hole in the plastic). If you water pump starts leaking there, then you'll need to get it done. A bad water pump will overheat your engine. Luckily they give you the coolant warning sign before they go.
Timing belts definitely last way over the 90k spec. The water pumps fail more frequently than the belts, and if original at 200k the WP owes you nothing. When I was figuring out how I wanted to time my TB changes, I read the whole megathread at YotaTech, and I learned that most TB failures were caused by something else, such as leaky or seized WP's, flaccid tensioners, or locked up idlers.
The early warning on the WP is any sign of leakage behind the timing cover. If I had a truck with that many miles, I'd eventually do a full TB, tensioner, idlers, WP change-out for peace of mind and to have a known age on those parts. But I would certainly take a peak as soon as I got it home to look for a cracked or fraying belt and any WP leakage which would move that job to the top of the list.
The TB job is not for just anyone. You need a little courage and experience to go that deep into an engine, plus a good set of 1/2" drive sockets with a torque wrench that will do the spec 217 ft-lbs. on the CS bolt.
For the record, I stretched my first change to 120k and then I did tensioner, both idlers, WP, TB, 'stat, hoses and aux. belts. At 170k today, I have full confidence in that part of my engine out to 240k, which I should hit in 2019 or so. Then I'll do the rad, too. (I have a 5-speed, so no trans cooler to fail on mine.)