It’s time you start risking shit. What are you going to do when you look up 10 years from and have nothing to show for it? How about you stop waiting to do something and get it done today. Whatever that thing is you want to do and need to do, is what you need to have completed by the end of today.
If it’s a bigger goal, get it started today, but set a deadline to finish it when yoy say you want to. Stop talking about wishing, and dreaming of a better life or more luck. We create our own luck and it’s time you started living like it.