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 Mortgages in Retirement Explore the benefits and drawbacks to paying off your mortgage prior to retirement with this article. When Special Care Is Needed: The Special Needs Trust A special needs trust helps care for a special needs child when you’re gone. Put It in a Letter A letter of instruction provides additional and more personal information regarding your estate.