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 Trends in Charitable Giving Some people may want a more advanced gifting strategy that can maximize their gift and generate potential tax benefits. Assess Life Insurance Needs How to help determine life insurance needs to provide for your family after you pass away. Systematic Withdrawals in Retirement Taking regular, periodic withdrawals during retirement can be quite problematic.