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Let’s face facts. Most of us drag our heels when it comes to almost every facet of life.

The reality is that most of us aren’t 100% nose to the grindstone go-getters. Whether it’s a big work project or doing the laundry, everyone procrastinates a little bit. And that’s OK to a point. But there’s one area in which we can’t really afford to take our sweet time.

And that’s retirement saving.

Procrastinating when it comes to retirement can be a death sentence of lower returns and underlying balances. And yet, according to a recent survey by Financial Engines, that’s exactly what many people are doing. No matter what the reason, saving as early as possible must be our mantra.

Click here to read about the three biggest risks to your retirement portfolio.

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