I'm exactly in this position. I dream about visiting new places around the world all my life but I haven't done anything to turn it into reality. "I don't have the financial ability to go to some foreign country" is the most often thing I say to myself. That's the truth and I live with it. But on the other side, I believe in the inspirational quote: "If you want it really bad, you'll find a way". And this is the reason why I feel so guilty about it. I can blame only myself for staying home instead of living my dream somewhere else. When thinking about it, I repeat the quote so it can motivate me to really do something. And it works.. for awhile. I start looking for tickets for a
bus/plane, after that for the prices of the hostels and etc. The longer I'm considering what is needed to go, the more unmotivated I become. It looks like that if you don't have any money, it doesn't matter how much you want to go.