To explain what this would look like I'll describe our use case.

We have clients that are part of a membership program where they pay us to come and teach workshops to help them generate leads. They have to pay an upfront deposit and then pay the rest 60 days before their workshop. To make things easy on everyone, we collect their CC and charge them automatically on their 60 days before deadline, instead of allowing them to pay and having to chase down payments.

Currently, the only ways we've found to schedule that 60 day payment is either with a 1 time invoice where we have to have at least 2 payments to create a payment plan, or we use a Recurring Invoice with a recurring product set to have only 1 payment occurrence which is just clunky and not a good user experience.

What we want is the ability to either, schedule an invoice to auto charge on a future date, or add a "Charge Later" option from the contact record to go along with the "Charge Now" option already there.

Also being able to select the product from the "Charge Now" or the "Charge Later" options on the contact record is essential.