Consider this (slight) adaptation from John Ortberg's If You Want to Walk on Water, You've Got to Get Out of the Boat:
"There is a way that leads to stagnation--unrealized potential, unfulfilled longings. It leads to a sense that I'm not living my life; the one I was supposed to live. It leads to boredom, to what Gregg Levoy calls the common cold of the soul...And months turn into years, and one day you're looking back on a life of:
* Deep intimate gut-wrenchingly honest conversations you never had;
* Great bold prayers you never prayed;
* Exhilerating rides you never took;
* Sacrificial gifts you never gave;
* Lives you never touched.
"And you're sitting in a recliner with a shriveled soul, and forgotten dreams. And you realize there was a world of desperate need, and a great God calling you to be a part of something bigger than yourself. You see the person could have become but didn't. You never followed your calling. You never got out of the boat."
Listen, people. Please. Whatever you do, don't be this person. God had a beautiful reason for making you. Don't waste your life waiting for the fear to go away. It never will. Seize the vision of what you could be, of what you could give, and go after it now.
You don't just owe it to yourself. You owe it to all of us.