2) Skill- Many people lack grammar an spelling skills to sit down and write two or three coherent sentences. The main point is skill is learned behavior. Nobody was born with the know-how to walk, or talk, or for that matter eat. I found this out recently when I lost quite a few of my learned behavior skills with a stroke and I am still fighting to relearn everything. You can learn proper grammar. You can learn how to spell. You can learn how to write fiction, nonfiction, article...everything. Don't have time to take a class? The library and bookstore have tons of materials or for that matter hire an editor..
Didn't you have to learn the skills to perform your current job? And that's something you have to do not what you want to do. Many new or wanna-be authors dream of staying home and do nothing but write...this is a pipe dream that many authors will never fulfill. I've been writing for over 30 years and up until recently kept my full-time job. Age does have some privileges. Your first story may never see publication...possibly even your first five, but keep at it.
In a section of my new manuscript, Don't Get Your Panties in a Wad, I write about bucket lists. Those things you plan to do when you get around to it, but rarely do because you think you're immortal? Then on your death bed or near death bed, "I wish I had of done _____." Do you really want to be one of those type people? Death is the absence of learning, folks.
Thomas Edison when building the first light bulb failed (in some people's eyes) two hundred times before he perfected the design. His response was he learned two hundred ways how not to make a light bulb. We'd be in the dark now if he let fear stand in his way.