It seems to me that you just need to stop being lazy and put off everything for later, then any pipe dreams can become quite achievable. The main thing is to believe in yourself!
We need to separate dreams and goals. Dreams are something vague, incomprehensible as attainable. Goals are specific things that can be assessed and the effort required to achieve them can be calculated. You need to translate dreams into goals.
For example, a dream to buy an apartment. We translate into a target - how far from the city center? how many rooms? how much work does it take to buy it? with or without a mortgage? ..
Or, the dream of becoming a fairy. The fairy has a beautiful dress. Where to find a beautiful dress, is it for sale or not? A fairy, for example, is slim. How to eat, where to exercise? How much is it? How long will it take to work? The fairy can fly from flower to flower. You won't be able to fly, you can act in films or order a photo session with flowers and wings. Where can I find a photographer? How much will it cost? ..