What the work costs
Not doing the work costs more than doing it. We know that. We delay anyway.
Some of us are afraid of the labor. Some are afraid of failing. Some are afraid of succeeding.
The fear isn’t about the work.
The hours are the cheap part. What the work costs is the excuse, and the excuse has been good to you. It explained the last five years. It let you off. Doing the work means handing it back, and there is no version where you keep both.
That’s why we stall at the start and not in the middle. The middle is only labor.
Sit with the thing you would have to give up. Name it.
Then the work is just work.