I know the feeling of the author. I have similar fears with him. I also fear of spending most of my life to something I don't want. I'm afraid of taking risks with my true passion, as it can lead to my downfall. My plan for the moment is to save some money for the future and follow my dreams afterwards. I believe that everything has a purpose and our dreams will come at the right time.
That's a great way to think, hope that yours comes true!