Rashi explains that Havdalla is akin to escorting the king on his way out; which must precede involving oneself with his personal endeavors.  However, Rashi at the outset of the Gemara (D”H V’af al gav) explains this only in reference to doing melacha prior to Havdalla (cutting fruit); why would it not apply to any personal matter as well – like going to guard his fruit?

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