Taking care of your career, getting education, writing, working, your romance, your finances or self-improvement? Why are doing it if you know you'll worse off for it? Just because it is a dreaded task, because you are distracted by all the immediate temptations or because the future is well just does not feel impending enough?
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I think procrastination is a complicated thing, but I would like to think about procrastination as a bad habit and something that the person himself admits as damaging and crippling. But I agree with you.