As a hobby jogger that recently completed the actuarial exams and became a fellow (FSA), I would actually suggest that you get started on your career. I am on the consulting side, but from what I've heard from recruiters and friends who work on the insurance side, the workload is fairly manageable with little need for overtime. It's good that you're taking exams now, but without experience it actually puts you in a slightly awkward situation as most companies don't know how much to pay associates/fellows with little/no experience.
Most actuaries on the insurance side work 35-40 hours a week, and I manage to squeeze in about 80-100 mpw in 10 runs with 45-55 hr work weeks. If I didn't have a family to worry about I would probably have enough time to get out there and pound out 120-140 mpw (assuming my body holds up).
It just seems that if you're going to work at target for $10-$12 / hr (I don't know much a Target employee actually makes, so I apologize if I'm way off here) you might as well get at least an entry-level job in the actuarial field. Someone who has attained his associateship and has at least 2-3 years of experience should be pulling in 60-80K+/year at least.