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 What Is a 1035 Exchange? 1035 exchanges provide a way to trade-in an annuity contract or life insurance policy without triggering a tax liability. Take the Stage: Starting Out Start planning for their financial futures by following a few helpful guidelines. Creating your stream of guaranteed retirement income Your life doesn't stop when your career does. The one thing you don't want to stop, is your paycheck.