I don't know who needs to hear this but someone recently told me "no amount of waiting will make you more brave, and no amount of worrying will make it more safe." And honestly I think about this everyday.
One thing about adulthood that way too many people learn way too late (and have no choice but to learn the hard way): you have to be deliberate/proactive about everything. For the first time in your life, you can't be passive participant in anything.