This is a really interesting thread.
I'm 55 and I've gone through cycles like this all my adult life - periods of feeling the fear and doing it anyway, followed by almost complete inertia.
Now it does seem more difficult to be daring but I think part of that has been due to several unpleasant and out of my control life changing events that have ramped up probable hormonal changes etc.
I was widowed 2 5 years ago and since then have lost my business, had to downsize, find myself in debt which is an ongoing saga, and for the first time in my life while I don't have immediate responsibility for anyone other than my cat, and can theoretically please myself in many ways, I kind of don't know how to. I wasn't exactly completely dependent on my late DP but he was such a driving force and integral part of my life for 11 years, I really miss his enthusiasm and devil may care attitude which was infectious.
I can't imagine travelling solo at the moment - always a nervous flyer anyway, but it just feels so daunting.
I feel a huge responsibility to avoid anything that might end in tears and negatively impact my son or my family / friends as they've had enough to deal with without me getting abducted by aliens in Katmandu, because that's the sort of ridiculous thing that seems to happen to me 😅
I also find I get obsessive about door locking, fire safety etc etc which I'm aware of and working on, and stupid things like that.
I certainly don't want to spend the next 20 years wrapping myself in cotton wool and waiting for the grim reaper but sometimes it's really hard to get over myself and just stop wasting time over thinking.
I think the answer is baby steps and I'm trying to be creative to channel some of the anxiety energy into something positive like upcyclung and a prolonged Swedish death clean.
It's good to know that others feel similar though - thank you to the OP for opening up a discussion like this xxx