Stop letting the fear of failure make decisions for you. Apply for the job. Start the business. Learn the skill. Have the conversation. You can survive things not working out. What hurts more is never finding out what was possible.
We CANNOT even afford hobbies. We CANNOT afford to go out with friends. We CANNOT afford to exist anywhere outside our homes. They then call it a mental health crisis. It's not. It's an affordability crisis.