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The behavior behind procrastination

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It’s human nature to procrastinate. Here, behavioral expert and professor Dan Gilbert helps us understand how overcoming procrastination can help you reach your retirement goals.

The Pulse of the Challenge Lab
You have a week to prepare a speech for your best friend’s wedding. When do you start?
Right
away
48%
Night
before
35%
Wing it
17%
Click on the options to make your guess.

Could procrastination make you more productive?

Studies show our brains get fatigued from all the little decisions we make every day. So what happens if we take a break? Could procrastination actually make us more productive?

The Procrastination Personality Test

We all procrastinate. But we do it for different reasons. Understanding your unique style of procrastination can help you identify why you’re putting things off, and what you can do to fight it.

Procrastination Personality Test

Procrastination Calculator

We all procrastinate more than we'd like. So what if we stopped? Could we really accomplish more?

On Average

We spend 2 hours a day

Procrastinating

You've spent

Years
procrastinating
How old are you?
Enter
In that time you could have:

In that time you could have...

Knitted

sweaters
for the statue
of liberty.

Road-tripped to the moon
times.

Made 0
cups of tea.

Received
Masters degrees.

Climbed Mount Everest
times.

Taken the trash out
0 times.

Painted the
Sistine Chapel
times.

Met with a Financial Professional
times.

Find one
near you.

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Did you know?

If you’ve ever made a New Year’s resolution, you know that we all have great intentions. But our follow-through could use some work. Only 8% of people are successful in achieving their resolutions. (The rest of us will get around to them later.)

The mere thought of working out leads most of us to procrastinate. This same behavior is triggered when we think about planning for our financial future. We have every intention of doing it, but it always seems to get put off for another day.

What’s the cost of waiting?

Contributing just a little more to your workplace retirement plan can make a huge difference down the road. But to have the biggest impact, it’s important to start now.

  • Upping your workplace retirement contributions can go a long way in retirement.

    Calculate how upping your workplace retirement contribution can really add up.

    See how contributing just a percentage or two more to your workplace retirement plan sooner rather than later can add up to a lot more in retirement. It's not as hard as you think.

    Get started
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    Fill in the below fields to begin calculating.

    This information is only used for your calculation.
    It won't be shared with anyone.

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    $ numbers only
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    Workplace retirement, IRA, annuity tip:
    401Ks have contribution limits, as do IRAs and other tax advantage contribution accounts. Pay attention to the contribution amount.
    Now that you’ve seen what upping it 5% could add up to, let's Make A Plan.
    Waiting to up your contribution can have a big effect on your retirement. Use this slider to find out.
    Step 1
    How much will you
    contribute?
    Up the percentage to recalculate.
    0%
    That's just $0 a day.
    A gallon of milk costs more than that.
    Step 2
    When will you start contributing?Slide to see the cost of waiting.
    i
    $0 less than if you started now.
    Make a plan
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    Time to take the next step.

    • View Your Summary

      See a breakdown of your results and if you want, print it out as a reminder.

      See a breakdown of your results and save the image as a reminder.
      See Your Result.

    • Get Some Advice

      Share your summary with a financial professional and get help deciding how much to up your contribution.

      Find a Financial Professional
    • Share With Friends

      Share this Calculator

      Share this calculator with others so they can see how upping it can really add up.

      Note: No personal information will be shared.

Rethinking Retirement

See retirement planning differently

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If you could pay yourself to do what you love in retirement, what would you do? We did an experiment to find out. See what people said.