You miss 100% of the shots, you don’t take. Take chances fallow you passion.
You can earn your money back, but you can never return back in time. Use your time and money to gain experience not to show others how much you worth. Who cares about how much money you had in your bank when you die. But at least you can Think of the good and unpleasant memories you had about different Places you visited. Think about it have a good day.