Well, first off, there are ways of beginning a business with very little money, especially if you don't mind starting off small. As for fear of failing, so what? Failing is not something that you should be ashamed of -- instead, you should be proud that you had courage to try. The same goes for "looking silly" -- who is sillier, person who tries something innovative and creative, or person who sits back and does nothing? I know what my answer is to THAT question.

I'm not trying to be a Tony Robbins here and say that you can achieve anything you want just by visualizing it -- all I'm saying is that NO ONE should be afraid to try to achieve their dreams. I'm not advocating quitting your job and sinking all your savings into junk bonds -- but don't let fear keep you from exploring all your avenues. Sure, you may have some regrets, but then again, you may end up praising day that you decided to act. If you just sit back and do nothing, it is much more likely that you will have regrets later in your life.

Any new action or habit begins with a thought. Whatever thoughts you repeat over and over in your mind, these will eventually come out of your mouth. Whatever you speak time and again will translate into action.

Proverbs 18:21 says, "Death and life are in power of tongue, and they who indulge in it shall eat fruit of it [for death or life]" (Amplified Version).

How do you change your actions? You change your thoughts and words. Positive thoughts and words bring positive action. Negative thoughts and words bring negative action.

1) Forget all negative words that have been spoken over you and to you since you were a child.

2) In your mind, picture yourself achieving your goals. What does it feel like? What sounds do you hear? Who is there with you? What does it look like? Remember, your mind cannot tell difference between an image and actually seeing something.

3) Go stand before a mirror, look yourself in eye, and repeat, "I can do this. I believe in myself."

Do these above steps as often as you can throughout day. Whenever you are tempted to say, "This is stupid. This is never going to work. I've never succeeded at anything - why should this be any different," immediately make conscious choice to say, "I can do this. I believe in myself."