I'm 34. I started working when I was 19. I don't have what you people call a degree. Instead I've put all the money that I was about to put into a "degree" to fulfill my home library with a lot of good books. Now I have 1k+ of them. Best investment ever!
What do you think, that I'm some kind of genius? WTF, I'm just a regular dude who's incredibly bored with BS the world has been trying to sell me on every corner. I do what I want to do and what makes sense. Period.
Coming back to the topic:
1) You sit on your ass and you start. If you don't have a clear vision why you are doing a given thing (especially long, complex projects), no wonder that you don't know how to start. Try to visualize the positive outcomes from the enterprises you want to dive into. Make a mission statement. Then make a plan. At least a hypothesis and test it. Doesn't work? Click next and prepare another one. Repeat, until it's going to work. Keep track of your attempts.
2) The same as (1). If you haven't internalize why you're doing a given thing, you won't stick with it.
3) You don't "pivot". You just do stuff you consider to be worth doing. The method is the same as in (1). First a plan / hypothesis, then fire and eventually you are going to get there. Isn't that logical?
There's no need to be scared, dude. The whole universe is trying to help you. No one knows anything! We can only test what we think might be a good shot. I'm not sure if you realize how much one can accomplish in 10 years. You basically can completely change your life... Twice. People tend to overestimate what they can do in a year and underestimate long periods of time like 10y.
The rest is just details.
I wish you luck!