Companies and individuals can hit a wall when they're 95% of the way to a goal. Some become complacent or hesitant, while others turn negative on what hasn't been accomplished instead of recognizing what hard work has wrought. The key, writes SmartBrief senior editor James daSilva, is to use that 95% as a springboard to what you hope to achieve and be. "[R]eflection, not action, is the first step," he writes.

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