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Fight Procrastination and Plan Your ‘Someday’ Now

September 14, 2015 • By

Reading Time: 2 Minutes

Last Updated: November 6, 2023

A woman thinks while using the computerThe check is in the mail …

I am going to get better organized …

I need to plan for retirement…                                                           

I am going to open a personal my Social Security account …

If these promises sound familiar, you aren’t alone. Most of us procrastinate from time to time, and more than 20 percent of us are chronic procrastinators. We tell ourselves we’ll get to those tasks someday, but someday never seems to arrive.

On September 6, we celebrated Fight Procrastination Day — but the battle is not over! You can defeat procrastination at any moment by opening a personal my Social Security account and get started planning for a financially secure retirement now.   

Even if you’re years away from retirement, you can still take advantage of a free personal my Social Security account and verify your Social Security earnings record, get an estimate of future benefits, and have access to your Social Security Statement.

If you’re currently receiving Social Security benefits, there are many advantages of not waiting to establish a personal my Social Security account. You can open it online. You’ll find it’s a great tool to manage your benefits. Once you establish a personal my Social Security account, you’ll be able to change your address or update your direct deposit, print a benefit verification letter, get a replacement Medicare card and a replacement 1099 or 1042S statement.

Procrastinators love to find reasons for not doing something, but you can access your personal my Social Security account from a desktop, laptop, or tablet. You can login from your favorite easy chair or Wi-Fi hotspot. In fact, establishing your account only takes a few minutes. Someone opens a new personal my Social Security account every six seconds!

You can always  put off those household chores for another day, but don’t procrastinate about your financial future. Join the millions who have already overcome their inertia and established a personal my Social Security account.

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About the Author

Doug Walker, Deputy Commissioner, Communications

Deputy Commissioner, Office of Communications


  1. Gloria E.

    What can I do to change my Direct Deposit ss Income. Please call me to 951-413-6594 . My name is Gloria E. Ayala… Please call me.

  2. Erica G.

    When you call Social Security if they don’t like your question they put you on hold for another 10 minutes. Then if they still don’t like your question they put you on hold again. I’ve sat on hold for almost 2 hours today. Then the representative said they fixed the problem but he didn’t. Then when I had to call back again and requested the same help I was hung up on. Is there no Customer Service agents left to help customers in need???? The answer is no! And to your question, “Did she ever get the help she needed?” The answer is NO! She is still waiting on hold for her answer to her simple question.

  3. Patrick M.

    I too am having trouble with the website. Today at the SSA office they helped and I got right in on their computer, but as soon as I tried at home CANNOT ACCESS this page!! Please fix this problem or close this problematic website. Have been trying for 2 months.

  4. Joseph R.

    I have tried to log in several times and even though I am retired and on SSI it does not recognize me. What do I have to do now?

    • Ann C.

      Hi, Joseph. We are sorry if you’re having difficulty with your personal my Social Security account. For assistance, please call 1-800-772-1213. After you hear “Briefly tell me why you are calling,” say “Help Desk” for help with a my Social Security account. You can also visit our Frequently Asked Questions to read information on why you may be unable to create or to access your account. We hope this helps!

  5. Theo

    Well I definitely liked studying it. This article provided by you is very useful for proper planning.


    I was talking with a friend today who said I should be getting two thirds of my husbands ss check rather than my own. Is this true, am I entitled to two thirds of my husbands as if it is more than what I am getting? I have been paying as for over sixty years and my husband way more than that.

  7. George



  8. Robert R.

    No S.S. raise/cola due to low gas prices ??????? BS, that is a sure thing isn’t it ? Congress and all pet projects come out of our SS fund and we get sh**. SS is going broke but there seems to be enough when the gov.’t wants to borrow some of it. More BS.How much does the gov.’t owe us who have paid into it, 2.75 trillion or more ? Lets hear some more heart breaking stories from our Gov.’t why they need our money. They still lie…………….

  9. Sophia

    I think this is a great idea, because it seems so simple – the best thing is when you are in control of your financial future, and that includes small things like this. While you may not be able to control exactly what happens in the future you can put plans in place and stay in control. If it just takes a few minutes I will certainly be doing this.

    • James L.

      Sophia, thank you so much for sharing your thoughts with us! We appreciate you using our online services and we look forward to serving you and the American public in the years to come.

  10. DAVID K.

    I served 45 years in serving the United States and now am getting messed over by the United States. I served 25 years in the military and 20 years in civil service. I have ran into 2 very bad situations I do not think is right. After serving and paying Social Security over those 45 years the Social Security rules say unless my wife is a United States Citizen she cannot claim from my Social Security. I think I earned it and my wife should be able to claim it when she turns 65.There are others that have not served and wives have not worked at all and are allowed to draw on their husbands Social Security. Would you please help me with this?

    My second request I am requesting help with is my wife will be able to claim the military SBP but the draw back is Social Security will take out 30% tax on it. I think that is a big exuberant, don’t you.

    Thank you very much for any help you can give me!!

    David Knutson

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