Heaven or Hell?

I really want to find out, but many things scare me. First, it will obviously require money, which means I won't be able to just "mess around" with it. At the same time, I'm afraid of how a possible failure might affect me. And there are many reasons to fear such an outcome:
I'm almost twenty-two years old, I've never played a musical instrument, I have a number of mental and physical issues, and I've never found any talent in anything.