I get treated like Ebenezer Scrooge at holiday time. After all, there is no investment advisor in Boston’s Enchanted Village. But rather than admonish my readers to rein in spending, I’m recommending you treat yourself this season.

I’m not afraid of the creepy clowns running around this year. If you really want to scare the Wicked Smart Investor on Halloween just come to my door dressed as procrastination. This horror show makes me jump right out of my skin. Okay, maybe it’s not Old Granary Burial Ground at midnight with ground fog and howling coyotes kind of scared, but the procrastination ghoul will certainly elicit blood curdling screams out of me! To be on the safe side, I’ll hang some garlic cloves on the front door before trick or treating starts.

Here are the reasons I find procrastination so scary:

The doorbell has an eerie echo tonight, as if it’s vocalizing your disdain for what is happening next. After years of procrastination you finally decided to meet with a financial planner. Retirement is on the horizon and you need to make the most of your savings.

As the clean-cut advisor crosses the threshold you notice his expensive designer clothing. With impeccable manners he makes eye contact as he firmly shakes your hand. Then, he even goes so far as to compliment the interior decorating of your humble home. That’s exactly the sing-song you expected and the rock in your stomach only grows.