We all have that one task.

It’s the item on the to-do list that keeps getting rewritten from Monday, to Tuesday, to Wednesday. It might be a difficult phone call, a complex report, or finally sorting out your will.

Productivity experts call tackling this task "Eating the Frog"—doing the hardest thing first. But let’s look at why we avoid it.

Usually, it isn't because we are lazy. It is because we are human. We avoid discomfort. We avoid the possibility of doing it wrong.

But here is the catch: Procrastination borrows peace from your future. The longer that task sits undone, the heavier it becomes mentally. It runs in the background of your mind, using up the battery power you need for your family, your hobbies, and your rest.

At SFP, we have consistently noticed that in financial planning—and life planning—it’s often about doing the hard thing once so you can enjoy the benefits forever.

Tomorrow morning, before you open your email and let the world dictate your day, do the "heavy" thing first. Do it imperfectly if you have to. Just get it done.

Notice how much lighter the rest of your coffee tastes when the weight is gone!