Ralph V. Estep, Jr.

I’m diving into the procrastination trap today, and let me tell you—it’s a slippery slope! Why do I keep saying, “I’ll do it later?” A whopping 71% of us admit to putting things off, and honestly, I thought that number would be higher. We mean well, but our to-do lists just keeps piling up, right? I’m realizing that the secret sauce to breaking this cycle isn’t just motivation—it’s making those micro moves. So if I’m feeling stuck, I’m not going to sweat it; I’m focusing on taking that first step, even if it’s just for 10 minutes. I’m ready to kick those excuses to the curb and get moving!
Check out the full podcast episode here
Procrastination is like that annoying friend who never leaves when we want them to. In this chat, I dive deep into the struggle I—and pretty much everyone else—face with putting off those pesky money tasks. I even share some eye-opening stats—like how 20% of U.S. adults are chronic procrastinators (seriously, I thought it would be way higher!). And with 71% of us admitting to procrastinating, yeah… I’m definitely guilty of saying “I’ll do it later” way too often. I’ve got the goods on how to kick that habit to the curb, starting with something I call “micro moves.” These are tiny steps that get the ball rolling and help us shift from that stuck energy into real progress. It’s all about starting small. No need to climb Everest in one go; just need to lace up our boots and take a single step.
I even share a personal story about how I finally set up a high-yield savings account after being lovingly put on blast by my wife. It took me just eight minutes! Eight minutes to transform my financial future. That experience really drove home the idea that the key isn’t motivation—it’s motion. I challenge the audience to name their blockers, whether it’s fear, confusion, or perfectionism, and face them head-on. By doing this, we can break the cycle of procrastination and start making progress. If I’ve been putting something off, all I need to do is grab a timer and commit to ten minutes of action. I’m always surprised by how much I can get done in such a short time!
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