Define your nightmare, the absolute worst that could happen if you did what you are considering.
1) What doubt, fears, and “what-ifs” pop up as you consider the big change you can or need to make? (Envision them in painstaking detail)
2) Would it be the end of your life?
3) What would be the permanent impact, if any on a scale of 1-10?
4) Are these things really permanent?
5) How likely do you think it is that they would actually happen?

What Steps could you take to repair the damage or get things back on the upswing, even if temporarily?
1) How could you get things back under control?

What are the outcomes or benefits, both temporary and permanent, of more probable scenarios? (need to reword)
1) Now that you have defined the nightmare, what are the positive outcomes, whether internal (confidence, self-esteem, etc.) or external?
2) What would the impact of these outcomes be on a scale of 1-10?
3) How likely is it that you could produce at least a moderately good outcome?
4) Have less intelligent people done this before and pulled it off?
If you were fired from your job today, what would you do to get things under financial control?
1) Imagine this scenario and run through questions 1-3 above.
2) If you quit your job to test other options, how could you later get back on the same career track if you absolutely had to?
What are you putting off out of fear?
1) What we most fear doing is what we most need to do, that phone call, that conversation, whatever the action might be- it is fear of unknown outcomes that prevents us from doing what we need to do.
2) Define the worst case, accept it, and do it!
3) This bears repeating: What we fear doing most is usually what we most need to do!
What is it costing you- financially, emotionally, and physically- to postpone action?
1) Don’t only evaluate the potential downside of action. It is equally important to measure the atrocious cost of inaction. If you don’t pursue those things that excite you, where will you be in one year, five years, and ten years?
2) How will you feel having allowed circumstances to impose itself upon you and having allowed ten more years of your finite life to pass doing what you know will not fulfill you?
If you telescope out 10 years and know with 100% certainty that it is a path of disappointment and regret, and if we define risk as “the likelihood of an irreversible negative outcome,” Inaction is the greatest risk of all.

Based on your answer what are you WAITING for?