拖延症的代价

我们中的一些人有着共同的经历. You're driving along when a police cruiser pulls up behind you with its lights flashing. You pull over, the officer gets out, and your heart drops.

“Are you aware the registration on your car has expired?” 

You've experienced one of the costs of procrastination.

Procrastination is avoiding a task that needs to be done—postponing until tomorrow what could be done today. 拖延者会破坏自己. 他们经常在自己的道路上设置障碍. They may choose paths that hurt their performance.

尽管马克·吐温有一句著名的俏皮话, “Never put off until tomorrow what you can do the day after tomorrow,” we know that procrastination can be detrimental, both in our personal and professional lives. Problems with procrastination in the business world have led to a sizable industry in books, 文章, 研讨会, 视频, and other products created to deal with the issue. There are a number of theories about why people procrastinate, 但不管背后的心理是什么, procrastination may cost money—particularly when investments and financial decisions are put off.

As the illustration below shows, putting off investing may put off potential returns.

If you have been meaning to get around to addressing some part of your financial future, 也许是时候制定一个策略了. Don't let procrastination keep you from pursuing your financial goals.

早起者。

Let's look at the case of Cindy and Charlie, who each invest $100,000.

Charlie immediately begins depositing $10,000 a year in an account that earns a 6% rate of return. Then, after 10 years, he stops making deposits.

辛迪等了十年才开始. 然后她开始投资10美元,000 a year for 10 years into an account that also earns a 6% rate of return.

Cindy and Charlie have both invested the same $100,000. 然而, Charlie's balance is higher at the end of 20 years because his account has more time for the investment returns to compound.

This is a hypothetical example of mathematical compounding. It’s used for comparison purposes only and is not intended to represent the past or future performance of any investment. 税es and investment costs were not considered in this example. The results are not a guarantee of performance or specific investment advice. The rate of return on investments will vary over time, particularly for long-term investments. 投资s that offer the potential for high returns also carry a high degree of risk. 实际回报会波动. The type of strategies illustrated may not be suitable for everyone.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation. This material was developed and produced by love爱博体育app下载 to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. 所表达的意见和 material provided are for general information, and should not be considered a solicitation for the purchase or 出售任何证券. 版权 love爱博体育app下载.