Why haven’t you started the business you want to start? Why aren’t you on the trip you always wanted to take? Why are you not doing what you want to do?
If your answer to these questions is money, or time, your not being honest with yourself. And the lies we tell ourselves are the ones that stand to hurt us the most.
If you are holding back you are simply letting yourself get in the way of your future. Why? It could only be a result of two things. Either you are not actually very interested in doing what you think you want to do, or you are fearful of something. If it is the former, find something you care enough about to make happen, and then do it. If it is the latter, what are you afraid of? What you should be scared of is not living your own life. Your way. What else is there to fear?