You sound like Suze Orman.
The courage aspect is important if you focus on the acquisition side (earn money, build reputation, etc), but I don't think it's as important on the value creation side. On the value side, I think compassion and caring are more important values. Courage is still necessary, but I think if you open your heart and connect with the well-being of others, you'll get a lot more mileage out of it. The real wealth you build isn't about an account balance. It's the collective impact of all the value you've contributed.