What stops you? I've found that my answers to that question fall into one of two categories: I'm afraid of failing, or I don't care enough to push through whatever discomfort may be involved to reach my goal. Yes, of course there are always several logistical obstacles lurking that can upend my best-laid plans, but I'd assert that solving them (usually requiring some combination of time and money) or not solving them is a function of how much I care. The less I care, the more I fall back on blaming those logistical challenges for not moving forward. The more I care, the more quickly I figure out how to address these hurdles. I've found that if I really want something badly enough, I'll lumber up off the couch and get going. If not, the excuses stream through my mind like a river flooded with ice melt in the spring. I'm not suggesting that success always follows action, but I do guarantee it is never the consequence of inaction.
The question of whether I care about something enough to move into action is usually fairly easy for me to answer. The matter of whether fear of failure is driving my decision-making is harder for me to cop to. After all, who likes to acknowledge it when fear runs her life?