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 Estimating the Cost of College This worksheet can help you estimate the costs of a four-year college program. Important Birthdays Over 50 Here's a look at several birthdays and “half-birthdays” that have implications regarding your retirement income. Should You Tap Retirement Savings to Fund College? There are three things to consider before dipping into retirement savings to pay for college.