The deal(s) with the devil.

I don’t need to work on myself.

Things are good/decent as they are.

I have enough on my plate already.

I can’t afford to invest in myself.

I need someone to give me instructions or permission.

I can't manage myself.

I am not creative enough.

I am not good enough.

I don’t need help.

I am too busy with short-term urgency. That’s a long-term thing.

I will do it later.

Let’s be real.

Let’s be practical.

It’s better safe than to be sorry.

I am not ready.

That’s not my problem.