One of the common phoenomenon I found is, we are more worried by thinking about problem than actually by the problem. We keep on thinking about problem, by doing all permutation and combination for all possible scenarios, outcomes, what if situations, and get defeated multiple times even before facing the actual problem. Seems, this is more problematic than actual problem. This mentality or habbit (quite common, you are not special) creates more pain for us than what actual Problem can do. We keep on struggling with these problematic thoughts for days, months or years sometime, but won't take a step to solve it. Result, many a times, we are making a Mountain out of a Molehill or a Bigger Mountain from a small mountain, or pushing our head against that Mountain rather than to take a step to side and walk around this.
Why we do this. What is the solution.
Let us address it step wise. We do this because many a times, we stuck in a loop of thinking, anticipating, visualizing, fearing and the repeating all again. We don't take even a single step considering that result won't be good. We have high inertia.
What is the solution. Solution is to take first step towards solution. We all have solution. It may not be perfect, or may not be the right one. But we all have capacity to think about solution. So taking step towards solution is the only way out. It is perfectly fine to make a wrong decision. However, it is good as long as we have courage to review it and change our course of action. But what absolutely wrong is, if we don't even take a step. So the solution is to own the problem, think about solution, pick the best from your options, and start executing. If it is right, your problem will be solved. If it is not right, at least you will learn to take next step.
Problems are part of life, and will continue to be there till we exist. Problem free life is not a reality and is not going to be happen. However, a life with solutoins for problem is feasible. So strive for that. And only way out is, Own the problem and take first step to solve it.