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<p>Are you tired of feeling “busy” but not actually making progress? In this episode of <strong>Be Money Smart</strong>, we exposes the trap we all fall into: spending our time on easy, low-impact tasks while avoiding the real challenges that drive success. Through relatable stories and practical advice, Augustine reveals why tackling the hardest 20% of your work is the secret to breakthrough results—whether you’re prepping for an exam, managing a big project, or building a new skill.</p><blockquote>“Growth happens when you lean into discomfort, not when you play it safe.”</blockquote><p>00:08Introduction to avoidance behavior and "cart before the horse" metaphor</p><p>01:11Procrastination: delaying important work with busy tasks</p><p>01:32Example: Exam prep—avoiding practice exams for less effective study methods</p><p>02:44Importance of targeted, efficient work (practice exams vs. scattered review)</p><p>03:0580/20 rule: Most results come from a small portion of the work</p><p>04:53...