People often ask me if it's better to be an early bird or a procrastinator. An early bird aims to do things well in advance -- whether it's pay bills before they're due, book flights, complete a project weeks before the deadline, and so forth. A procrastinator , on the other hand, habitually leaves everything for the last minute. Many might say the answer is obvious -- that being an early bird is more favorable in that you get things done early. My answer to them is that either extreme is bad. All the way through high school, I was the king of procrastination, sometimes waiting until the day before a paper was due to write it. Once I got to college, I did a 180 degree turn and aimed to finish projects days, if not weeks, ahead of time. This seeped into my personal life as well; for example, it became the norm to pay bills the very day I received them in the mail. The problem with being too much of an early bird -- much like being a procrastinator -- is that it t...