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 | Have A Question About This Topic? Name Email Address Question Thank you! Oops! Related Content Should You Borrow from Your 401(k)? Does it make sense to borrow from my 401(k) to pay off debt or to make a major purchase? My Retirement Savings Estimate how long your retirement savings may last using various monthly cash flow rates. Important Birthdays Over 50 Here's a look at several birthdays and “half-birthdays” that have implications regarding your retirement income.