This sort of inhibition is not uncommon. We are creatures of habit.
The leap you describe is a reinvention. And you have taken the opiate of modernity, delegating self mastery for sublime mediocrity.
You must find within yourself to work your ass off. You must find within yourself the “get it done.” Don’t wait for crisis and loss like every other ordinary human. Preempt your inevitable failure and fix those problems before they come upon you.
Money and asset management is no joke.
Play OpenTTD or some 4x games to drill your mind that resource management is the eternal costrategy for success.
No matter how smart you are you fail when you cannot pay rent.
Good luck!