faith, naivety, foolishness

So where is the balance between having faith or being optimistic or just being naive? And is being naive a problem in the first place? So what if things don't work out. Wouldn't it be better to try something and have it not work, than to be so planned and timid, that no steps are ever taken? Challenges are needed, steps should be taken. Now I am not saying that you should be an idiot and be stupid about things. Where's that line anyway? I guess you have a trust in God and go with things and see. A classic quote from my mom "Chels, I don't know if you have faith or if you're just being naive. And yet things seem to work out for you." Life's an adventure, eh and we just have to see what happens.