The one thing holding you back (its not being lazy)

[Subsonic]

Alright sorry for the title, my inner Youtuber got the better of me.
But what is that thing?

It's a lack of courage or fear. I noticed this for myself today at the gym. I was thinking why I am not making any progress towards most of my goals right now.
Then it hit me: I am avoiding the things that would force me to leave my comfort zone. I really want to get a girlfriend but I'm doing everything besides asking girls out.
I also want to show my mother some entrepreneurial wins so she takes me seriously (btw I don't judge her for how she is, she's the best mom I could ask for and I have done nothing to deserve being taken serious).
After that I though about the only time I actually made some money and that was when I did something uncomfortable.

So the key is not just discipline but also courage. One without the other leads to being stuck.

 

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[ElectricFox]

What helps me when I don't have the courage to do something is to "split myself" (mentally) into two versions of myself: an actor and a spectator. As the spectator, I command my body to act and as the actor, I obey mindlessly. My spectator-self then only has to amusingly watch my actor-self act and my actor-self only has to act without thinking. This way, there is less emotional space for fear. I know it sounds schizophrenic but it worked for me--and hopefully it might work for other people--and if not, it remains an interesting experiment.

 

[AppleCider]

What helps me when I don't have the courage to do something is to "split myself" (mentally) into two versions of myself: an actor and a spectator. As the spectator, I command my body to act and as the actor, I obey mindlessly. My spectator-self then only has to amusingly watch my actor-self act and my actor-self only has to act without thinking. This way, there is less emotional space for fear. I know it sounds schizophrenic but it worked for me--and hopefully it might work for other people--and if not, it remains an interesting experiment.

Whether or not Nike put this much thought into their trademark, it resonates with what you've written:

Just do it.

For a while I made an effort to mindlessly do less-than-appealing tasks by just doing them. Don't think. Don't judge. Don't give yourself the opportunity to be apprehensive about the task. However, there is almost always still a level of emotional attachment to the task at hand that makes it difficult completely eliminate the apprehension. Your actor-spectator mentality sounds like a great shortcut to removing even more emotional attachment for long enough to form a habit out of the task in question. I will be trying this.

Regarding @Henry Roe.'s comment on fear, if it's still difficult for people to garner the courage and reduce the fear, I like to remember Glennon Doyle's quotation:

“If you can’t beat fear, just do it scared.”