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 A Fruitful Retirement: Social Security Benefit Taking your Social Security benefits at the right time may help maximize your benefit. Jane Bond: Infiltrating the Market Agent Jane Bond is on the case, cracking the code on bonds. Social Security: Maximizing Benefits There are other ways to maximize Social Security benefits, in addition to waiting to claim them.