Take your fear out on a date. Ask it what is it trying to tell you. It may alert you to your procrastination, bad habits, overspending and other behaviors that have real implications on your career, relationships and health. This fear is your emotional system making you aware of what you know deep inside about certain matters. Once you understand what your fear is all about, you can do something about it.
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Fear wants attention. Give it the briefest consideration and, after listening to it, realize what is pragmatically helpful and what is irrational. Then, let it go.