i'm 48 y/o and never had real sex with women, sometimes

i'm 48 y/o and never had real sex with women, sometimes i masturbate but not always, but most of the time i have wet dreams i like it when i wake up suddenly and find semen in my shorts after a hot and sexy dream every time i think about having sex with a real woman or a prostitute i feel terrified may be because i have never did this thing before, so i back off what to do?