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 A Fruitful Retirement: Social Security Benefit Taking your Social Security benefits at the right time may help maximize your benefit. What's New for Social Security? There have been a number of changes to Social Security that may affect you, especially if you are nearing retirement. Estimate Your RMD Help determine the required minimum distribution from an IRA or other qualified retirement plan.