Create enough stability that courage becomes affordable.

Courage is much easier when failure would be survivable. Without any stability, every risk threatens the foundation, and refusing to take risks in that situation is not cowardice but accurate assessment. Building a floor is what makes bold moves reasonable rather than reckless.

If you want to take a real risk, build the base first. Enough saved, enough support, enough fallback that failing would hurt without destroying. Then the brave thing becomes affordable.