Don't be afraid to fail. I fail every day. I failed thousands of times writing The Book Thief, and that book now means everything to me. I had many doubts and fears about that book, but some of what I feel are the best ideas in it came to me when I was working away for apparently no result. Failure has been my best friend as a writer. It tests you, to see if you have what it takes to see it through.
Money is to be respected one of the worst things you can do is handle another person's money without respect for how hard it was to earn.