too much thinking, not enough sleep

Thinking about the past five years of my life I realize I have lived many experiences and have been satisfied with my life. For the most part. I have made some decisions that I am not necessarily proud of and now I am paying for the choices. For example: I chose to slack of my first two years of college so now what should have taken me two years to accomplish has taken me four years. I spoke to an academic advisor and the college and learned that I had TOO MANY credits. I can see why this may sound like a good thing but its not. I have wasted too much time and money messing around and now that I want to get my life in order and get on with my career I am not sure where to begin.
In those past five years I have been working at the same job which I love but lately I have been thinking of just never showing up there again. I told myself when I started working there that I would only work there until I finished school since the company offered tuition reimbursement but now the job is starting to become routine. I have always told myself that I didn't care how much I made as long as I was happy but sometimes when I go to work I just want to cry or I think of reasons to call in sick which I am to much of a wuss to do but I always end up at work. So now this past week I have been looking for jobs online and I am kind of scared to apply anywhere for fear that I will fail at a new job. I have it so easy at work and most people are fun and easy to work with and not to mention the hours are great. So now I sit and think of what my life holds after this semester of school that if I do pass all my classes, it will be my last at community college and on to the State University.
I feel so lame at times because people my age already have careers and families established whereas I still live at home with my parents. I know that a lot of people whether its my friends, some of my extended family, and just random people I know think I am just spoiled because I live at home and my parents do not make me pay bills but that does not make me irresponsible. or does it? I greatly appreciate my parents and everything they do but sometimes I also wonder if they spoil my siblings and me too much. If they didn't offer us such a luxurious life would I be at a stage in my life? And by luxurious I am not talking about a lavish lifestyle with name brand clothes, extreme vacations and a live in maid but they did teach us to work hard in order to have nice things in life and conserve them.

Sometimes I wish I would go out and do the things that I used to dream of when I was little but I am too scared to fail.