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 Personal Finance Calendar Use this handy calendar to remember the year’s most important financial dates. Capital Gains Tax Estimator Use this calculator to estimate your capital gains tax. Net Unrealized Appreciation (NUA) Explained Have you considered the special tax treatment on company stock held in a 401(k) plan?