How Do You Create Urgency When Your Agency Is Doing Well?
You don't wait for urgency. You design it. The technique is called creating the vacuum: give money a destination before you've earned it. Set a business date, commitment or investment that fits within your financial means and forces you to take the next step for real.
What Is Fat and Happy?
Fat and happy is the state in which an agency owner thinks everything is fine as it is. The bills are paid, things are going well enough and there's no immediate pressure. What happens in the meantime is that growth stalls without a conscious decision ever being made. It's dangerous because it doesn't feel like decline. It feels like rest. But rest and stagnation look the same up close, and you may only see the difference in the numbers six months later.
Why Doesn't Willpower Work When Things Are Comfortable?
Willpower is a feeling, and feelings depend on circumstances. Your nervous system gives you no signal to move when circumstances are good. Urgency you build yourself works differently: a paid deposit is a fact, not a feeling. Facts still work when the motivation isn't there.
For the full breakdown of the vacuum mechanism, see creating urgency.