The Cost of Procrastination Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time. Related Content Is a SEP-IRA Right for Your Business? For some, the idea of establishing a retirement strategy evokes worries about complicated reporting and administration. Three Key Questions to Answer Before Taking Social Security When to start? Should I continue to work? How can I maximize my benefit? How to Retire Early Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts.