If you answer to yourself "none of them", there are two possibilities. No, three.
Third one first: you're young enough to not feel guilty about not taking enough risk. First one: you're not taking enough risk. Second one: you know who you are.
Third one first: you're young enough to not feel guilty about not taking enough risk. First one: you're not taking enough risk. Second one: you know who you are.
Or is that the same as not taking enough risks?