Anyone else afraid of approaching someone they like?

I am a pretty shy guy, and have a lot of trouble approaching women. Mainly due to my anxiety and financial situation. I am not a bad looking guy, I often get looks and stares from women. Not sure if the reason they look is good or bad. However some attention is better than none.

I saw two females when I was getting off the train to go home. Saw them on separate occasions. I say females since I don’t know how old they were. They looked like they could be in college. Anyways they were beautiful. The first female who was black made eye contact with me for like a second or two until I looked away. The second one I saw today actually. She was a Spanish girl. I walked past her as we were getting out the station.

Sometimes I wonder what if I would of said something. I often wonder if I will ever meet them again and what guy they might be dating now. I don’t have a fear of rejection, I am just too afraid to approach. I am not where I need to be in my life and in the process of trying to get things together. At 27 I feel most women will want a finished product instead of a work in progress. By finished product I mean, own place, car, good job and financially stable. I know not all women look for that. However I feel most do. My last issue is I look really really young for my age. So it is hard to get women my age.