Here's my method: Convince yourself that you're willing to take the x% risk (where x < 100) of running out of money and dying on the street, rather than the 100% risk of living out something boring for no reason, and possibly feel like you might as well be dead anyway, particularly because you didn't even try. You almost don't have a choice.

And then realize that it's very unlikely that failure will really mean dying on the street, someone will back you up. At this point it doesn't seem so difficult :)