If you have student loans, you've probably heard me say "now we wait," and I'm worn out watching the Department of Ed and servicers take 60, 90, sometimes 120 days to process things that should be simple. But that frustration got me thinking about the waiting we do to ourselves. We put off opening the brokerage account, increasing the 401(k) contribution, writing the will, updating beneficiaries, rolling over that old 401(k), and in doing so we hand ourselves our own 90-day processing queue.

I talk through what procrastination actually costs you in peace of mind and compound growth, why momentum tends to create more momentum, and how the snowball and avalanche debt methods fit into that. I share how a $25-a-month Roth IRA got me started when I had almost nothing to invest, and why getting something 90 percent right today usually beats getting it perfect six months from now.

Key moments:

(02:23) Real story: Stuck at 119 PSLF payments due to administrative errors

(06:10) How technology lags create unnecessary waiting and frustration

(09:03) The hidden costs of waiting: lost growth, stress, and missed opportunity

(13:32) How small steps (even $25/month) create financial momentum

(17:33) Simple examples of breaking financial procrastination and moving forward

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