Here's how it's used:
* "Come on, be such a turtle! We're going to be late!" - This implies the person is taking too long to get ready.
* "I was so tired after the hike, I was just laying around being such a turtle all day." - This indicates the speaker was very slow and inactive after the hike.
The phrase is generally used in a lighthearted way to tease someone or emphasize their slowness. However, it can also be used in a more serious way to express frustration at someone's lack of progress.