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 Extended Care: A Patchwork of Possibilities What is your plan for health care during retirement? What's My Potential Estate Tax? This calculator helps estimate your federal estate tax liability. Think of Retirement in Terms of Monthly Income When you think of planning for retirement, like most individuals, you probably visualize a number. The reality is that most individuals think in terms of an account balance at retirement.