Procrastination is a big enemy for investors. Take IRA contributions. You can invest $5,500 if you are under 50 ($6,500 if over) in January for your 2014 contribution. You have until April of 2015 to make this contribution. If you decide to wait those extra 15 months each year, the effects are dramatic. Over a 30 year period an investor who made the immediate January contribution would have an extra $83,000 over a 30 year period (7% return) than the investor who waited until April of the following year!! 41% of IRA money will be invested in the months after January. Compound interest like Novocain always works. The only way to mess this up is to not give the money enough time to grow. Invest your IRA money for 2014 now!!!