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 IRA Withdrawals that Escape the 10% Tax Penalty The list of IRA withdrawals that may be taken without incurring a 10% early penalty has grown. Surprises Making the most of surprises is a great reason to work with us. Estimate Your RMD Help determine the required minimum distribution from an IRA or other qualified retirement plan.