I think the first thing you have to recognize is what exactly is it that you're afraid of? I had a terrible fear of falling off the bike. It didn't keep me from riding but it was in the back of my mind all the time. Then, out of no where, I fell, head of heels. Bumped my head, got a swollen eye, bruised hip and several scabs. However I did get up and walk away. It wasn't so bad. Now I can brag to my 24 year old son that I've taken some bumps to. Recognize your fear and research it a bit. Good luck