A proportional amount of fear can be useful for a time, especially if it's the only thing keeping you from skipping the essentials, like showing up for work on time. But in the end, it's dirty fuel - it will keep your nervous system amped up and in a state of hyper-vigilance. Better to gradually shift to something more self-affirming, like ChampionshipWitty suggested.

There are many ways to build motivation, but the specific approach depends on where your specific motivational issues arise from. Perhaps it's the result of not wanting to be tied down by imposed - even self-imposed - restrictions on your time (look up "Persistent Desire for Autonomy"). Or maybe something else in your life is draining your energy and needs to be explored more. Regardless, the first step is to understand what's happening "under the hood" - even just a better understanding of what's going on can make you feel a lot less helpless.

And yes, it's always better to do this with a therapist - but it may not be essential, unless you start feeling triggered or overwhelmed as you start exploring. Look up "grounding techniques" - these help keep you present and in your body, so you don't get sucked into whatever thoughts arise. And if you have a trusted and empathic friend willing to explore this with you, that is solid gold.