I often encounter a topic: many of what you say makes sense, but you still can't do it. It's like knowing money is good but being unable to earn it. This is not a rare case, but the majority of people. So why is that? Actually, this is not an individual failure, but a very common structural human problem—"knowing" and "doing" are two separate systems by nature.

First layer: the cognitive system (knowing). You can understand what is right and what is valuable, such as "making money is important," "self-discipline is necessary," "long-termism matters." This layer mainly relies on rationality and the brain's analytical ability.
Second layer: the execution system (doing). What truly drives you to act are habits, emotions, environment, and immediate feedback. This layer is more "primitive," and often doesn't even listen to rational arguments.
The problem is that cognition can leap forward rapidly, but execution can only evolve slowly.