The Cost of Procrastination Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time. Share | Related Content Dreaming Up an Active Retirement When you retire, how will you treat your next chapter? Immediate vs. Deferred Annuities Looking forward to retirement? It's critical to understand the difference between immediate and deferred annuities. Inflation & Retirement Estimate how much income may be needed at retirement to maintain your standard of living.