Of course, putting it off will ultimately just make the problem worse; the inexorable logic of compounding is just not very forgiving.
The Gods Of The Copybook Headings will not be denied. And the motto for this decade seems to be “something that can’t go on forever, won’t.”
Well, then. What more proof do you need that compound interest is racist, sexist, and probably homophobic?
Math, too, for that matter.