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 Insurance Needs Assessment: Married With Children When you’re married and have children, insurance needs will be different. Managing the Risk of Outliving Your Money Steps to help you sustain and grow your retirement savings. What Is My Life Expectancy? Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.