We are what we repeatedly do; excellence, then, is not an act but a habit. – Aristotle
The people that are living their dream lives are able to do so because they have taken action. They have been where you are, and they have overcome their inertia and started moving forward.
And they have kept moving forward despite their fears and despite any challenges that stood in their way.
You can do the same. You can always make excuses but the truth is that you can always do something, so begin with that.