Let’s return to the two components of fear of failure. Firstly, letting others or yourself down and the consequent financial calamity. My response is: so what? You may let others down if you act. You may let yourself down if you do not act. And just how calamitous will utter failure prove to be, in any case? Which, of course, is what gives the young and penniless such a huge advantage in the race to get rich. They instinctively know what Bob Dylan preached forty years ago: ‘When you got nothin’, you got nothin’ to lose’.