When you think about the future, we often end up concluding that we are better off not doing it.
The thought about what to do if we fail is something we can think about when we do fail.
ご質問ありがとうございます。
"When you think about the future,"＝「将来のことを考えると」
"we often end up concluding that we are better off not doing it."＝「～をしない方が良いという結論を出すことが多い。」
"The thought about what to do if we fail is"＝「失敗したらどうしよう、という考えは」
"something we can think about when we do fail."＝「失敗したときに考えられることである。」
ご参考に。
アメリカ合衆国 
