How to Stop Procrastinating, According to the World’s Leading Expert (It’s Not What You Think)

Are you always the one who is late for everything? Do you find yourself procrastinating, no matter how hard you try to stay focused? Does managing your time to get everything done feel impossible? Mel sits down with THE world’s leading researcher on procrastination. Dr. Joseph Ferrari is a distinguished Professor of Psychology at DePaul University in Chicago, where he has spent nearly three decades researching with colleagues around the world about why we procrastinate. Today, he’s sharing those surprising findings with you. Topics discussed include: How research defines procrastination. (It’s not what you think.) Why procrastination is an epidemic. How procrastinators see the world. The difference between someone who procrastinates and a procrastinator. Signs you may be a chronic procrastinator. How the Premack Principle helps you get stuff done. The REAL reason you procrastinate. Why “social esteem” is so important to procrastinators. The ONE word that can change how you think about yourself. A powerful strategy to use when you feel stuck. The link between procrastination and perfectionism. The difference between an excuse and a legitimate reason. How to deal with procrastinators in your life. You can purchase Dr. Ferrari’s latest book, Still Procrastinating, here: https://shorturl.at/aJPR0 Watch the podcast episodes on YouTube: https://bit.ly/45OWCNr Check out my book, The High 5 Habit: https://a.co/d/g1DQ8Pt Follow Mel: Instagram: https://bit.ly/3QfG8bb The Mel Robbins Podcast Instagram: https://bit.ly/49bg4GP LinkedIn: https://bit.ly/46Mh0QB TikTok: https://bit.ly/46Kpw2v Sign up for my newsletter: https://bit.ly/46PVnPs Want more resources? Go to my podcast page at melrobbins.com/podcast. Disclaimer

Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.

• 0:00Mel Robbins?

  To me, self-expression is all about showing the world what's on the inside. That's why I want you to discover Pandora Talesman, a new collection designed to help you express every side of who you are. Featuring meaningful zodiac symbols and personalized jewelry pieces, each design tells a story that's uniquely yours. Pandora Talesman, a new language of self-expression, because every version of you deserves to be seen. Shop new styles in store or online at pandora.net. This podcast is brought to you by Expedia. If you haven't booked your next trip yet, now is the time. Whether you're going to fly across the country, or maybe you just want to explore a cool beach town this summer, Expedia makes it easy.

• 0:44Mel Robbins?

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• 1:28Mel Robbins?

  It's refreshing, it's rare, it's covered with empathy, and it's exactly how insurance should feel. Amica, we're your priority number one. Visit amica.com and get a quote today. Hey, it's your friend Mel, and welcome to the Mel Robbins Podcast. I am so glad you tuned in today because today you and I have a doozy of a topic. This is something we all struggle with. What are we talking about? The big P, procrastination. That's right, we're going there. Is procrastination a coping mechanism? How do I stop? How do I focus? How can I help someone I love who is a procrastinator? Why do I do it when I know it's not good for me?

• 2:13Mel Robbins?

  I feel like I do my best work when I'm under pressure. Is that procrastination? I'll tell you what, I want to know the answers to these questions. Don't you? I bet you do. So, I brought in the best of the best, Dr. Joseph Ferrari. I can tell you right now, this professor is fast like a Ferrari. He has got one hell of a personality, and I gotta be honest with you. When I thought about the world's leading expert on procrastination, I did not think about the word "personality", but boy, oh, boy, does he have a big one. And he's also warned me that, once he gets going, he revs that engine up and he just can't stop. So, who is Dr. Joseph Ferrari? He's a renowned psychologist and professor of psychology at DePaul University.

• 2:55Mel Robbins?

  He's an international researcher, author of seven bestselling books on this topic, and he is here to get you moving forward. Dr. Joseph Ferrari is here to cut through the crap and deliver you the truth. He's going to tell you that you can unlearn it, and he's going to give you tools that you can start using today to stop procrastinating and to actually overcome it for good. Why? Because you don't have to live the rest of your life doing this to yourself. You can stop hating yourself for never following through, and you can start doing your best work. There is a solution to procrastination, and our guest today is going to teach it to you. This episode will enlighten, inform, and inspire you to change, once and for all.

• 3:40Mel Robbins?

  And yes, this is the biggest takeaway regarding the science. Change is possible. So, let's not procrastinate on jumping into this any further. We're going to just let it rip. Please help me welcome Professor Joseph Ferrari to the Mel Robbins Podcast.

• 3:57Speaker 01

  I'm so delighted to be here.

• 3:59Mel Robbins?

  So, let's just start with the question, what is procrastination?

• 4:03Speaker 01

  Okay. Procrastination is not the same as delaying. If I'm stuck on the tarmac and my plane isn't getting off and I'm four hours late for some appointment, I didn't procrastinate, that's delay. It's not the same as pondering. Pondering is to pause and to stop and think, because you're actively thinking about, "What should I be doing?" It's a misperception that procrastination is poor time management. What is procrastination? It's the intentional delay of a targeted task that is irrational and prevents you from reaching your goal. So, you're purposely not doing something, alright? And it doesn't make any sense to do that, and it's going to prevent you from reaching

• 4:48Speaker 01

  your goal, and people feel uncomfortable about it. And it's maladaptive. Do not listen to the current media people who are coming out and saying, "Oh, there is procrastination. You know, there's a good side to procrastination." Eh, ain't true. Everything shows that procrastination is a maladaptive lifestyle. You're missing out on life. Because for the procrastinator, they think the world is all about me. And the world is not about me, it's about "we." And if I don't do what I have to do, then you can't do what you have to do. And so, it's not about "me, I don't like it, I can't do it, I find it aversive, it's unpleasant, it's too much time." Yeah, life ain't like that. So what?

• 5:33Speaker 01

  Alright? Life is about us getting things done, alright? You know, there's that expression, "If you want something to be done, you give it to a busy person." Why? It makes no sense. Why a busy person? Because the busy person values your time, and values their time, and knows that there are things that have to get done. Alright? So, um, this is not an adaptive strategy. Let me stop here and say, I'm not shaming or condemning anybody who's a procrastinator, because I hope as we get there, I'm going to show you how procrastination is a learned tendency. And that means you can unlearn it. It's irrational, it prevents you from reaching your goal, but that's how I would define it.

• 6:13Mel Robbins?

  So, Dr. Ferrari, you said it's the intentional delay.

• 6:18Mel Robbins?

  Which made me wonder, do you have to know that you're doing it?

• 6:23Speaker 01

  Oh, most procrastinators know that they do. I need to clarify for you something. Everybody procrastinates, but not everyone is a procrastinator.

• 6:33Mel Robbins?

  What's the difference?

• 6:35Speaker 01

  I, thank you very much.

• 6:39Speaker 01

  20% of adult men and women are chronic procrastinators. And as a research psychologist, those are the people I want to study. 20%. Now, you might say, that's all Ferrari? That's higher than depression, substance abuse, panic attacks, alcoholism, right? And yet, we treat this humorously. I procrastinate. Well, do you procrastinate on one task? Then you are, then you procrastinate. Or do you procrastinate on a variety of things? That makes you a procrastinator. 20% of men and women, no significant gender difference. 20% of people, all right, will not RSVP on time.

• 7:22Speaker 01

  And wait till the gauge goes on empty before they get more gas. Or get the third bill before they pay it. You know they're gonna miss your birthday and your anniversary and Christmas. And you'll get the cards later if you get anything and all that. And they'll always have an excuse.

• 7:38Mel Robbins?

  That's me.

• 7:38Speaker 01

  For them.

• 7:39Mel Robbins?

  That's me.

• 7:40Speaker 01

  Yeah, of course.

• 7:41Mel Robbins?

  What do you mean, of course?

• 7:43Speaker 01

  Well, you showed up 20 minutes late, so.

• 7:45Mel Robbins?

  No, I did not. The schedule was to start the pre-interview at 10 o'clock. Because most guests tend to be a little overwhelmed and a little nervous because of the reach of this show. We have a pre-interview process in place. I was not intentionally delaying. I'll defend myself there.

• 8:05Speaker 01

  I expected I'd see you right away. Irrelevant, all right. But it's a good example, a good example of what we're talking about. How, you know, how would someone else know that?

• 8:15Mel Robbins?

  That's true.

• 8:15Speaker 01

  Unless they're told that, all right? The person who, quote, unquote, shows up late, all right, says this is what's going on. And that's believable. Because procrastinators are very good, as I was saying, good excuse makers. They always. Have a reason and it's logical and it makes sense. The problem is the next time the same thing happens and the next time or in another setting. So that's what makes us suspicious after a while and we say, wait a minute. It's never your fault. It's never your fault. I don't know you, so I'm not saying this is true of you. Please, uh, please do not be offended. I'm trying to explain, you know, how this is a good case of what we're talking about.

• 8:50Mel Robbins?

  I agree. So let me ask another question. So how do you know?

• 8:56Mel Robbins?

  If in fact you are a chronic procrastinator, that you're part of that 20%. What are some of the signs so that somebody can go, this is beyond just a funny thing or something that frustrates me? This is something I really need to sit up and pay attention to.

• 9:14Speaker 01

  Okay, again, this is somebody who RSVPs, shows up late, who may show up consistently to different events. Misses sporting events and concerts because they never get the ticket on time. You know, they're going to be late for gifts. They drive their car on fumes because they're always late getting the gas or whatever they may need. So you notice in a variety of settings. Um, and um, if you find yourself doing it at home, at school, at work, in relationships, that you're always doing this way. Then, and if other people, you know, can get annoyed by you and um, uh,

• 9:53Speaker 01

  tell you that you're a procrastinator, you may be a chronic procrastinator because you're doing it in across time and across space. In science, that's what we look for, for consistency. Does it happen from day to day or time to time? And does it happen across location to location, time and space? Now, if it's only one task, I really don't like doing the dishes.

• 10:13Mel Robbins?

  Right.

• 10:13Speaker 01

  Really don't like, for me, it's cutting the grass. I am dressed like I'm gonna go cut the grass. So I have all these excuses. It's been raining and it looks like it's gonna rain again today, but I'm not a procrastinator at all. You ask me to do something, you'll get it done. But that's something I will delay doing though, so. Ask yourself, do you do this in different locations at different times? Have people told you that you're delayed? And as I said, this is men and women. There's no significant gender difference. This is young and old, urban and rural, different cities and the farm areas and the rural areas. No difference, all races. There is a difference between white collar and blue collar. White collar procrastinate more. Let me make your listeners understand, because I understand you have a lot of countries here,

• 10:58Speaker 01

  that this is not just a US thing. This is not only a Western culture. Because I've collected data with colleagues in Britain, Australia, Canada, Germany, Poland, Austria, Czechoslovakia, Spain, Ireland, Italy, Peru, Venezuela, Turkey, Israel, Saudi Arabia, Japan, South Korea, Iran, and Turkey. And I'm finding 20%. So this is really global. Now, the next question is, is this genetic? Are we just human nature? Are we born this way? No.

• 11:32Mel Robbins?

  What?

• 11:33Speaker 01

  No, we're not born procrastin... Oh yeah, some people will say, well, there's nothing I can do about it. That's just who I am. I'm just, I'm always... No, no. You know, you learned to be a procrastinator.

• 11:46Mel Robbins?

  From who?

• 11:46Speaker 01

  You can unlearn it. Oh, from dads.

• 11:48Mel Robbins?

  Dads?

• 11:49Speaker 01

  Yeah. So you learn to be a procrastinator, all right? So you can unlearn it. That's very optimistic. That means you're not condemned this way. Yes, you can teach old dogs new tricks. You just use a different bone and it takes them longer. But you can unlearn it. If you're born that way, if that's just who you are...

• 12:10Mel Robbins?

  Then you're screwed.

• 12:11Speaker 01

  Then it's over, then there's nothing I can do with it. And that's why unfortunately, too much of our culture is this way. Well, that's how they are. That's how people are. No, no, people can change. Let's be much more optimistic.

• 12:23Mel Robbins?

  Dr. Ferrari.

• 12:25Speaker 01

  In my rambling...

• 12:26Mel Robbins?

  Hold on. I need to tell you something.

• 12:29Speaker 01

  Okay.

• 12:30Mel Robbins?

  I love you.

• 12:33Speaker 01

  Thank you. Don't tell my wife, but that's okay.

• 12:35Mel Robbins?

  I love you because I believe the same thing. Of course you can frickin' change. Yeah, it's hard, but of course you can. What you just said made me...

• 12:49Mel Robbins?

  Take a deep breath because I 1,000% fall into the category of being a chronic procrastinator.

• 12:57Speaker 01

  Do you mind sharing a little bit what that means to you, please, publicly?

• 13:01Mel Robbins?

  Oh, of course, absolutely. So, before I jump in and describe the ways in which I procrastinate, I want you, as you're listening to me, to be thinking about all the different ways that you know that you procrastinate in your life. But I'll go first. So, let's just start with when I was a student. Let's go back to Dartmouth College and Boston College Law School. Every single paper was an all-nighter. Every test, a cram session, I was late to every class. You ask me to do something, I'll forget. Birthdays, oh my God, it's like the bane of my existence. I cannot remember a birthday, or remember to send a card, or to buy a gift to save my frickin' life. I forget to book plane tickets, I leave things everywhere I go.

• 13:45Mel Robbins?

  I also have dyslexia, I was diagnosed with ADHD. And so, I have this story, Dr. Ferrari, that there is nothing I can do about this. And that, in some ways, when I think about the creative process, that I need this burst of adrenaline. Like, there's something about the last-minute scramble that gets my ass going and gets my brain churning. And I don't know if that's a story, I don't know if that's a habit. I don't know what the hell it is, but it drives me crazy. It makes me mad that I'm terrible at time management. It makes me embarrassed when I'm late. My husband calls it "mel time." Let's say we have to be at a dinner with friends at 6 o'clock. The drive is 10 minutes. It is 20 minutes to 6.

• 14:29Mel Robbins?

  Chris is dressed, he's already fed the dogs, he is walking toward the car. I am running around looking for my phone, I have one shoe on. I go into the bedroom, and now I think I have time to make three calls, and make the bed, and change my clothes. And Chris, literally, will be sitting in the car, in the driveway, while I am running around the house like a lunatic, trying to find things. And it never equated the last-minute scramble, actually, with procrastinating. I equated it with, um, poor planning, with, um...

• 15:06Speaker 01

  Excuse-making.

• 15:08Mel Robbins?

  Excuse-making.

• 15:10Speaker 01

  I gotta shut up. I'll let you go on.

• 15:12Mel Robbins?

  No, no, no, no, no, it's true.

• 15:13Speaker 01

  Because when you, when you stop, I've got a whole bunch of stuff to say, but keep going.

• 15:17Mel Robbins?

  What I procrastinate on is paperwork. I miss paying bills. I lose my credit cards all the time. I, I'm constantly without a cord charger for my phone. My gas tank. I, I feel like my form of gambling is to see how far I can go. And then I'm like, why do I do this to myself? And it's this constant battle.

• 15:44Speaker 01

  May I jump in now, Ms. Robbins?

• 15:48Mel Robbins?

  Yes, you may, Dr. Ferrari.

• 15:50Speaker 01

  So you said quite a few things, so thank you for sharing with us all of these items. And in no particular order, I've jotted down some things as you were saying them. So I want to go through them. You started off by telling us about your academic procrastination. All right. What I have found is that 70% of college students will delay writing, studying, going to that mentor, doing all these things. And 70%. Remember, everybody procrastinates, but not everyone is a procrastinator. So the college student might delay studying, reading, writing a paper, cramming at the last minute, doing all the, they may do it, but if there's a free keg of beer in the dorm, they're there.

• 16:31Speaker 01

  If Lady Gaga is giving a concert for the first 50 people, Lizzo's in the other room, they're there. Then they're not procrastinators. They procrastinate. When you started off, I was saying, oh, okay, then she's an academic procrastinator, not a chronic procrastinator. But then you did move into other realms.

• 16:51Mel Robbins?

  You know what, Professor Ferrari? You're right. I did move into other realms. And I hate admitting this to myself. I hate admitting it to you, but I'm afraid that I check every single box that you mentioned. And I fall into that camp of chronic procrastinators. I mean, like, I'm always late to RSVP. I lose everything. I'm always running behind schedule. But never in a million years would I have thought that I'm doing this intentionally. Because you said it was the intentional delay that is the hallmark of being a procrastinator or chronic procrastinator. So here's where I want to go next. If you recognize that you're procrastinating, or that, like me, you clearly struggle with

• 17:34Mel Robbins?

  chronic procrastination, is this just an issue of time management?

• 17:38Speaker 01

  Stop. It's not going to work.

• 17:40Mel Robbins?

  Okay, okay. Well, I'm sure you have a lot to say about why time management doesn't work. But what I want to hear next is what is going to work? And I need to take a quick pause so we can hear a word from our sponsors. And Dr. Ferrari, I am not intentionally delaying. I just want to ponder what you've already taught us, that everybody procrastinates, but not everybody is a chronic procrastinator, and that this is a learned behavior, and there's something we can do about it. And we are going to learn exactly what to do about it when we come back. Stay with us. When it comes to investing, or really anything, don't you think it's important to choose a company that you can trust? One where you have the freedom to do things your way with confidence?

• 18:24Mel Robbins?

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• 19:09Mel Robbins?

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• 19:50Mel Robbins?

  For a limited time, save an extra 20% off on any new AG1 subscription. Just head to drinkag1.com/mel and drop my name, Mel, in the survey so they know I sent you. To me, self-expression is all about showing the world what's on the inside. That's why I want you to discover Pandora Talsman, a new collection designed to help you express every side of who you are. Featuring meaningful Zodiac symbols and personalized jewelry pieces, each design tells a story that's uniquely yours. Pandora Talsman, a new language of self-expression, because every version of you deserves to be seen. Shop new styles in store or online at pandora.net. This podcast is brought to you by Expedia.

• 20:35Mel Robbins?

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• 21:08Mel Robbins?

  Welcome back. It's your friend Mel Robbins and the amazing Dr. Ferrari.

• 21:14Speaker 01

  Thank you very much.

• 21:18Mel Robbins?

  You just make me... I did not expect to enjoy an episode about procrastination as much as I'm enjoying listening and learning from you. So Dr. Ferrari is explaining to you and me that procrastination is the intentional delay of a task, and it is irrational, it's maladaptive, it prevents you and me from achieving our goals, it makes us feel terrible. Here's the good news. He's about to teach you and me what the research says about how you unlearn procrastination as a behavior. And before we jump into that research, I want to invite you again, as you're listening to this, whether you're driving a car, or you're walking the dog, or you're at the gym, or folding laundry, I want you to think about the areas of your life where you're procrastinating,

• 22:03Mel Robbins?

  or a project that you have that you may have been avoiding for quite a while. And as Dr. Ferrari starts to teach us what we can do about this, I want you to bring everything that he's saying to whatever it is that you've been avoiding that's frustrating you, or the way in which procrastination is impacting you. Okay, so, Dr. Ferrari.

• 22:25Speaker 01

  I'm not sure if you're familiar with, maybe some of your listeners are, with a concept called meta-analysis. It's a research technique.

• 22:32Mel Robbins?

  Yep.

• 22:33Speaker 01

  Okay. And for those who are not familiar, a meta-analysis, a scientist takes previously published studies, takes all of them, enters them into a formula, and looks to see what's most effective based on these bodies of literature. Two of them have been done on interventions to deal with procrastination. The least effective technique, the technique that will not work with procrastinators, is time management.

• 23:02Speaker 01

  What works is CBT, cognitive behavior therapy. Because you need to change the procrastinator's way of thinking, cognitive, and the way they act. Because it's not a question of time management. Time management, stop. It's not gonna work. Change the way you think, the way you act. How do we do that? Well, you start with this. You read the book, Still Procrastinating. You start with the book, and then you go find a good PhD clinical psychologist who's cognitive behaviorally trained. And you, and you stop the excuse making. One of the things I talk about is they're, they're very good at the but however's. Oh, yes, I was gonna do that, but. I would, could have, however.

• 23:46Speaker 01

  So your listener, who's a chronic, will listen to this, go, oh, that was very interesting. That was entertaining, but in my case, blah, blah, blah, blah, blah. You know, oh, I really, I understand. However, for me, see, so, you, look, there's, as you know, the concept of, well, let me write something else down, please, if that's okay. Sure. Okay, so there were three myths, and you touched on one of them, about procrastination, and that is, I work best under pressure. You told me about that one, too. I gotta wait till the last minute. Do these procrastinators, do they work best under pressure? The short answer is, ah, no. All right, so we brought them in the lab. We had them work on a series of tasks and experiments and a series of studies. They did, they had more errors, but when you asked them, how did you do?

• 24:31Speaker 01

  I did great. I did so much better than everybody else. All right, so you don't work best under pressure. That's one of the myths. You don't work best under pressure. You think you do, all right? But you actually do more failure. Thrill seeking, and I heard ADHD and other kinds. There's only been one study ever looking at ADHD and procrastination, and I did that in the 90s. With three samples, two normal and one clinical sample of people diagnosed with ADHD, and found no relationship. On yourself, why didn't you manage your time? You can't. Indecision is a form of procrastination. It's a cognitive form. It's called decisional procrastination. Our culture.

• 25:17Speaker 01

  reinforces procrastination. We don't reward doing things early. We punish for being late in our culture. If I don't pay my bills on time, I get a fine. I get a extra charge on my credit card. If you're like me and my wife, in our 39 years of marriage, we pay ahead of time, all the time. I get the bill, I pay it because I don't, I just want to get rid of it. All right, all right. So at the end of the year, do they ever come back and say, "Thank you very much. Here's a little extra gift. Here's 2%." No, our cultures don't reward us for doing things ahead of time. They punish us for being late.

• 25:55Mel Robbins?

  That makes perfect sense. I've actually never thought about it that way. Do you have any other examples about how society reinforces procrastination?

• 26:06Speaker 01

  Christmas shopping. Holiday season is coming up. If I wait to Christmas Eve, I get 70% off. I get 80%. Why should I shop earlier? I better wait till the last minute because look at what I'm going to get. In fact, give me a gift card and I'll go after Christmas and I'll get even more. Because people aren't stupid. I say, "Flip it, baby." I say, "Do it the other way around. Make that 70, 80% off Thanksgiving time." And then it gets less and less and less. And if you wait to Christmas Eve, there's a 20% surcharge. April 15th, taxes. Why should I pay my taxes earlier? There's no incentive. Let's just say, "The person has to pay." Well, I'm going to send it in on April 12th.

• 26:49Speaker 01

  April 14th, I'm going to do it the last minute. No, government's got it wrong. Again, reward for doing early. We have to reward for doing early, not punish. I am not in favor of punishing for being late.

• 27:03Mel Robbins?

  That makes sense. So how do you, as an individual that recognizes that you are a procrastinator?

• 27:11Mel Robbins?

  Apply rewarding being early to your own life.

• 27:17Speaker 01

  We can talk about that, but let me also clarify from the beginning, I'm not a clinical psychologist. All right. And so I don't believe as a psych, a research psychologist, that we should be doing street corner philosophy like this. Tell me the, the magic bullet, because that isn't how life is. You know, you need to understand the person and their dynamics. All right. You're asking me as everybody does. Just tell me the cure. Thank you for the causes. Thank you for the consequences, but I want the cures. Well, life isn't like that, but I'm going to respect your question in terms of asking of that. One technique you can use comes back from the 1960s, the Premack Principle. David Premack was a psychologist who found that you

• 27:57Speaker 01

  can use high rates of behavior to reinforce low rates of behavior. What does that mean Ferrari? In other words, you can take something you like to do as a reinforcer for something you don't like to do. So you don't like doing the dishes. Okay. So you say to yourself, I'm going to wash these five dishes. If I wash these five dishes, then I'm going to watch Wheel of Fortune for five minutes, whatever the heck it is that you like. If I do 10 dishes, I do 10 minutes. So you're making something you like to do as a reinforcer for something you don't like to do. Been around a long time. All right. That's called the Premack Principle. Public posting, another thing from the 60s that was around, or 60s and 70s.

• 28:42Speaker 01

  Very easy today. Publicly post. Research has found years ago that if you publicly post something, in those days it was a piece of paper outside your office door or something like that. So people could see it, some high traffic area. This is what I'm going to do. This is what, you know, needs to then, then you're much more likely to do that than not. Today with social media, use it. Say publicly post it to your friends. Guys, I need to do this and this is what I do. And if I don't do it.

• 29:10Speaker 01

  Don't let me buy the tickets to the concert. I can't come out with you Friday night to go to the bar, okay? And hold me to that. There's a fundamental question that is like, why do people do this?

• 29:21Mel Robbins?

  Yes. Why?

• 29:24Speaker 01

  Yeah, it's so maladaptive for Ari. I hear you now. There's these myths and it's irrational and it prevents me, all right.

• 29:32Mel Robbins?

  And it causes pain.

• 29:33Speaker 01

  And it causes pain for you and others. And by the way, another set of studies we've done. Procrastinators don't like other procrastinators. They don't want to hang out with them. They blame them for the failures, everything. They're very interesting. So if you're a procrastinator and you think I'll get sympathy from other procrastinators, you're not. I am so friggin tired. I am so tired of people thinking it's time management and just, you're lazy. You're not lazy.

• 29:58Mel Robbins?

  Hmm. What are the causes of procrastination?

• 30:03Speaker 01

  Um, it's a self-handicapping strategy, fears. I'm afraid of failure. See, if I never finish, I can never be judged. Let me explain what I'm talking about, okay? If I take my time doing something, if I don't meet the deadline and I delay, then I can simply say, you know, I didn't have enough time. I know this is not the best thing. This is as good as I can get it, but if I had more time, I would have done better. So, lack of effort is not a positive image, but it's a better image than, I did it and it's a piece of garbage. You know, if you put something together, it's good. So people would rather have other people think that they lack effort, hence I procrastinate, than lack ability. Cause I can't change ability. The next time I can try harder.

• 30:48Speaker 01

  So there's this attribution tendency that people have. Chronic procrastinators, PROCs are very concerned about what we call their social esteem. As a social psychologist, procrastinators are very concerned about protecting their social esteem. Now you know what self-esteem is. That's how I feel about myself.

• 31:07Mel Robbins?

  Okay.

• 31:07Speaker 01

  Social esteem is how others feel about me. And I would rather have others think I lack effort. Cause I wanna, I wanna maintain a good image with them. I want them to like me. Some researchers these days are calling it self-regulation failure. What does that mean? It's a new name for an old concept called delay of gratification. What these researchers are saying is that people procrastinate because they can't regulate the pleasure. They want the immediate pleasure now and they can't delay it to the future. So they're unable to self-regulate. Well, I agree with that, but that's not the only reason. People tend to either choose or claim, two Cs, choose or claim handicaps in life.

• 31:53Speaker 01

  What does that mean? They choose to put something in their way. I was just talking to a person yesterday and the person was saying that their teenage son loves pizza, but also is pretty good on basketball. So if he doesn't think he's gonna win that night, he eats a pizza. If he, if he does poorly, he can say, "Yeah, I lost. I shouldn't have had that pizza." See, it's not me that I didn't have the skill to show. It was the pizza. So people will choose handicaps or they claim handicaps. They'll say, "I'm shy." I'm just saying, that's what the literature says. My dissertation showed women who are procrastinators choose handicaps. So that was kind of novel. No one had shown that before. But men tend to choose, women tend to claim.

• 32:37Speaker 01

  "If I fail, I have an obstacle. I can discount me," we say. "It's not my fault. It's that thing." But life is interesting.

• 32:45Mel Robbins?

  I want to ask you a question, though. Because you just use, you know, the quote, "Choosing a handicap by saying, 'I'm shy.'" Which I'm sure everybody listening that feels like they're introverted or shy or has, quote, "social anxiety," went, "But I am. But I am."

• 33:03Speaker 01

  What does that mean, "I am"? Did you learn that? Is there a gene for that?

• 33:08Mel Robbins?

  I have no idea.

• 33:09Speaker 01

  There's no gene for it? It's a learned tendency. So that is the way you are now. I am not dissing you. I am saying, "You can change. Isn't that amazing?" You're not born that way. Don't tell me that is how I am. Say, "That is how I am now." "I can be different. I can be better." "We have 70 years. 80 if we're strong." "Yeah, that's all you got. Why are you procrastinating?" "Leave a legacy. Make the world better."

• 33:41Speaker 01

  Ms. Robbins, I hope that's what you're doing here with your podcast. You're making the world a little better for those who are listening.

• 33:48Mel Robbins?

  Thank you for acknowledging that, and that certainly is my mission here. And it's exactly what I'm trying to do with every single episode of the Mel Robbins Podcast. And, you know, Dr. Ferrari, it's also what's so cool about our audience. See, as you are listening to Dr. Ferrari right now, you're driving around, you're in your car, you're on your walk, I know that you tune in because you want to improve your life. You want to change. You want to leave a legacy. So, thank you for doing that. I think that's really cool that you're investing time in yourself. And thank you, Dr. Ferrari, for helping us understand this topic of procrastination and learning how we can change.

• 34:30Mel Robbins?

  And I think this is a really good moment to also acknowledge our sponsors of the Mel Robbins Podcast because they support this show and allow me to bring this conversation to you at zero cost. So, let's hit the pause and hear a quick word from our sponsors. And I'm going to be waiting for you right after the break with two really fascinating topics that we're going to dig into next. In Dr. Ferrari's research, he writes about two different types of procrastination. He's going to dig into those, and we're also going to talk about what do you do when you live with somebody who is a chronic procrastinator? All of that when we return. Stay with us.

• 35:08Mel Robbins?

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• 35:50Mel Robbins?

  Might as well choose a firm that lets you do it your way, right? Visit schwab.com to learn more. That's S-C-H-W-A-B dot com. To me, self-expression is all about showing the world what's on the inside. That's why I want you to discover Pandora Talsman, a new collection designed to help you express every side of who you are. Featuring meaningful zodiac symbols and personalized jewelry pieces, each design tells a story that's uniquely yours. Pandora Talsman, a new language of self-expression, because every version of you deserves to be seen. Shop new styles in store or online at pandora.net. This podcast is brought to you by Expedia.

• 36:33Mel Robbins?

  If you haven't booked your next trip yet, now is the time. Whether you're going to fly across the country, or maybe you just want to explore a cool beach town this summer, Expedia makes it easy. Flights, hotels, vacation rentals, cars, activities, everything you need in one place. That means no jumping between sites, no hassle, and when you bundle, you can save up to 30% with everything you need in one app. Sign in to save savings vary. Expedia, the one place you go to go places. Welcome back. Thank you so much for taking time to listen to our sponsors. I'm your friend Mel Robbins. We're here with Dr. Ferrari, and we're spending the rest of the time together today focused on how we unlearn

• 37:18Mel Robbins?

  the behavior of procrastination. You now know that this is not an issue of you being lazy or defective. This is not an issue of time management. This is a learned behavior. And so, Dr. Ferrari, let's start with what are the two forms of procrastination?

• 37:34Speaker 01

  There is behavioral and cognitive. The cognitive procrastinator is the indecisive, the decisional. I called them, we called them in the field, decisional procrastinator. Why would somebody engage in decisional procrastination? Because it's beautiful. I live out here in the western suburbs of Chicago. There's a movie theater with 31 movies. Now imagine going to the movies with an indecisive friend. What would happen? You'd walk up and they were looking, they say, "Ah, I don't know." And you say, "Come on, what do you want to see?" And what did they tell you?

• 38:14Mel Robbins?

  I don't know.

• 38:15Speaker 01

  I don't know, I don't know. And you go, come on, come on, pick one. Now, this is a brilliant move on these people's part. Because what happens? You decide. And you decide. Now, if the movie is great, when you leave, everybody's happy. But if the movie's a dud, what are they gonna tell you afterwards?

• 38:32Mel Robbins?

  That was a terrible choice. Yeah, you picked it.

• 38:34Speaker 01

  It was terrible. You made me waste fourteen dollars. Why'd you ever pick that? Why, why, why did we go there for a vacation? That was terrible. Why did we ever buy that, that car? I think it sucks. Oh, well, what's the matter with that dining room table? I never wanted that kitchen set. See? The problem with the indecisive is they let other people do it. I call it in my book, bailing them out. All right? It, it's okay to let other people. If you want to not make a decision, you have every right not to do it.

• 39:01Mel Robbins?

  Not making a decision is a decision.

• 39:03Speaker 01

  That's true. And, and therefore, shut up. In other words, you don't have the right to complain afterwards. You forfeited your right. You gave up your ability to complain about it. If you let someone else make the decision, you gotta live with that indecisive. I'm sorry. All right? You had a chance.

• 39:20Mel Robbins?

  I think this is an area where tons of people struggle.

• 39:23Speaker 01

  Oh, yeah. So, the first thing is, you limit the options. You don't take the indecisive, the thirty-one movies. You take them away, there's only a couple. You don't bring them to a smorgasbord buffet, because they'll just stand there and go, "Oh, my God, look at all the food!" You go eat. Okay? No. You limit the options for the indecisive. Do the math, as they say. There are pro and con lists, also, not considered effective. But if you do this twist to pro and con list, it works. You create the pros and con list, and don't just look at which ones are longer. Look at, within that list, which items do you value? What's more important? The, uh, pro list may be short, all right, but it has things

• 40:05Speaker 01

  that you value more than the con. And this may sound odd, but take your time. All right? In other words, uh, make an informed decision. Don't stall, ponder, pause, but produce. If you want to walk on water, you gotta get out of the boat. If you wanted to succeed, you've gotta take that risk. And so what? Would you fail? So what? Okay?

• 40:29Mel Robbins?

  What happens in your brain when you procrastinate?

• 40:35Speaker 01

  Why are you going there? Okay, we just said it's learned. Why are you looking for the physiological explanation? Because first of all, we don't know.

• 40:43Mel Robbins?

  Okay.

• 40:44Speaker 01

  And I don't mean to do that just because I'm a pompous butt. It's also the truth. Let's stop turning for the excuse that, you know, there's a brain thing going on. And therefore, that's why I procrastinate. If you're gonna do that, then you're not gonna change. And that's okay. I mean, you have a right to live in misery as one wants to.

• 41:02Mel Robbins?

  I think it's incredibly encouraging that it's learned. Because I agree with you. That means you can change it. And I also heard you loud and clear. Forget the time management crap. Based on the research, none of that stuff is gonna work for you. If this is something that you're chronically doing. And you also said very clearly, there is no quick fix. There is no top 10 tips when it comes to procrastination. Because this is about the story you've told yourself, the habits that you've formed, and that you avoid, avoid, avoid, or seek pleasure, instead of doing whatever the hell it is that you need to do.

• 41:40Speaker 01

  Yeah.

• 41:45Speaker 01

  There is a link, but they are separate concepts. It all goes down to that failure. You see, that perfectionistic person has to believe that I do well all the time. I've gotta be perfect. It could be, as I said, others imposing this to me, society imposing this to me. Or it could be, I'm concerned about my failures. So again, it's multi-dimensional. All right? Procrastination is also concerned about the failure. And so I wanna avoid it. It's an avoidance strategy that society says is okay. It all has to do with failure and that public image. You know, I don't want other people, I think, with the procrastination, it's that public image.

• 42:22Mel Robbins?

  I think a lot about the person listening and the ache that you live with when you can't get out of your own way. We're in 194 countries. Most of the people listening can't afford the PhD cognitive behavioral therapy program that you're talking about. And so for a person who really is in their own way, they see themselves sabotaging. What can somebody do in their own life after hearing this?

• 42:55Speaker 01

  Baby steps.

• 42:56Mel Robbins?

  What are the baby steps?

• 42:57Speaker 01

  This is what cognitive therapists would ask you to do. Start small. First of all, what you're doing is you're looking at the forest and you're missing that the forest is made up of trees.

• 43:09Mel Robbins?

  Okay.

• 43:10Speaker 01

  Don't miss the forest because you're focused on the trees. That's not the procrastinator's problem. It's the other way around. They see the forest. Oh my God, this is a huge task. Holy cow, I can't get all of this done. And they forget that the forest is made up of trees. So listener, viewer, all right, it's made up of trees. And so what if you tuck down one tree at a time? Oh, that's too much for you? Then let's give me three branches. You can't do three branches? I'll take a handful of leaves. Start small. Do something. And so what if you fail? What would be the worst scenario?

• 43:46Mel Robbins?

  Let me give you some examples of things that people listening to this show-

• 43:52Speaker 01

  Yeah, and you're asking me to do the street corner, street corner therapy again.

• 43:55Mel Robbins?

  No, no, no, no, no, I am not. You just told us to look at the trees. That is a concept. And I am on a mission to break down intellectual topics and research and conceptual ideas into tactical takeaways so that somebody knows what the hell you're talking about when you say-

• 44:14Speaker 01

  Yep, you want the cures.

• 44:15Mel Robbins?

  I don't want the cures. That's bullshit. I want just one step because I see people writing in every day, listening to conversations between PhDs or people that are talking at a level that is all academic. But when you finish listening to this podcast, Dr. Ferrari, I don't want somebody to feel worse because they don't know what a tree means in their life. And so if somebody writes in and says, "I procrastinate on working out."

• 44:45Mel Robbins?

  And it's chronic, like this is one thing that really bothers me. What would a tree be in that example?

• 44:52Speaker 01

  Sure. I take exception. I'm known in 40 years of teaching to take the jargon and to make it the streetwise.

• 45:01Mel Robbins?

  I think you do. I'm taking it a step further because I don't have a PhD. I don't think it is either. You don't need to get offended. That's not what I'm talking about. I'm just, I am the advocate for the person listening.

• 45:13Speaker 01

  Absolutely, and so am I. Okay, I would say that person is giving us that 80%. I'd ask the person first, is this the only thing? Is working out the only thing you procrastinate on? Do you procrastinate in other areas of your life? And if they start telling me, well, yeah, no, I do that. And yeah, that's true, too. And I don't like to do that. Then I say, okay, then you're moving from that procrastinator to procrastinating, to the procrastinator state. And that's something different. And I understand that some of you, many of you, can't afford a good professional to help you through that. I understand that. Don't look at it time management. That's one of the, I gave a number of takeaways.

• 45:56Speaker 01

  But I think one of them is, don't think you just have to manage your time. That's not going to work for you. It's like dieting. You'll start in the beginning, but you'll give it up. The person with the, who doesn't exercise, can you make something you like to do reinforced that you'll exercise? I don't like working on a treadmill. So when I'm on the treadmill, I'm reading my prayers. I know it'll take me about a good 20 minutes to do that, and so I can get at least 20 minutes of exercise. Pair it with something you'd like to do. That would be my street corner answer to that one. Did that help?

• 46:30Mel Robbins?

  Yeah, that helps a lot. You know, in my opinion, that's not street corner counseling, Dr. Ferrari. That is you taking something that's very thematic in terms of advice and giving us a very specific, actionable, relatable thing that I could do tonight in my life. And so I want to take it a step further and talk to you as you're listening to us. Think about something that you've been procrastinating on, okay? So that means something that you're intentionally delaying. You know it's irrational that you're delaying it. You know it's going to come back to bite you in the you-know-what. It could be paying bills, or maybe it's getting holiday gifts ordered, or maybe you've been wanting to update your contact list. This is a big one for me.

• 47:14Mel Robbins?

  I look at my contacts on my phone, and there are so many people I haven't talked to in years. I've got coworkers from five jobs ago whose email addresses don't even work, and I just constantly avoid cleaning it up, but it bothers me. So what Dr. Ferrari is saying to you and me is tonight, how about you pair the thing you've been avoiding with something you enjoy? Fold laundry in front of the TV. I could delete the old contacts while I'm sitting next to Chris tonight in front of the fire. You could order gifts tonight while you are relaxing in your bed instead of just doom-scrolling on social media. You could listen to music that you love while you're cleaning out your closet. That is one way that you can use science to stop avoiding

• 47:58Mel Robbins?

  and start unlearning this behavior. And you know, I gotta say one other thing. I have admitted to you that I struggle with chronic procrastination, but I have not said I have been working on this, and what Dr. Ferrari is saying works. I absolutely see myself getting better. And you want to know why? Because I want to. And so from one procrastinator to another, I am going to tell you something. You will be surprised by how just chipping away at this is so effective, and you can unlearn this and get better at this faster than you think. And the other thing that I have discovered is, you won't believe how much time you are wasting avoiding things. And you're going to feel more peaceful.

• 48:43Mel Robbins?

  And in fact, one of the things that I've found, taking baby steps and just forcing myself to do this stuff, is that I've got more time to put myself first. I've got more time to take better care of myself, which only makes me do this less and less.

• 48:55Speaker 01

  Yeah, it's all part of self-care. Show care to yourself. Listener, please, all right? You've got to make time. Take time for yourself. The next day, do a little bit more. Make love a habit of the heart. Wow, last week I only spent two minutes on it. This week, I'm up to seven minutes. Now, you could say, "Only seven minutes." I say, "Wow, yahoo! That's seven minutes more than you did before."

• 49:23Mel Robbins?

  I love that. And one other thing I want to point out, Dr. Ferrari, and to you listening, is that he is now teaching you a strategy that's backed by research that we've talked about extensively on this podcast, and that is the power of celebration. Celebrating small wins, focusing on what you're doing right, calling it out. It is the most effective motivational force in the world. Instead of the beat down and the excuses, if you were to do what Dr. Ferrari just suggested, and what you and I have talked about on tons of episodes on this podcast, you do the yahoo, you celebrate, you fold laundry for two minutes tonight, high five, yahoo. You know what else? Scientifically speaking, it's going

• 50:05Mel Robbins?

  to make you more motivated. You celebrate what you do tonight, you're going to feel motivated to do it again tomorrow night, and now you're starting to roll in a new direction. And this is so important, I want to remind you, that every single episode of the Mel Robbins Podcast has so many resources, we link to them, you can go to melrobbins.com to the show page, you will find everything that you need about Dr. Ferrari, you will find episodes of the Mel Robbins Podcast that relate to what we're talking about, and the power of appreciation and celebration as a motivational force. I call that the high five habit. We've done episodes on it, that will be there for you as well. But that actually makes me think of something else, Dr. Ferrari. When you're procrastinating,

• 50:46Mel Robbins?

  you always have an excuse for why you're doing it. How do you know the difference between whether or not you are making an excuse, or you actually have a valid reason to not do something right now?

• 50:57Speaker 01

  That is such a wonderful question. Why are you shopping now instead of later? And that was fascinating, because I found two categories of these procrastinators, excuse makers. Some of them attributed to themselves. While I'm shopping now because I can't decide on gifts, I really don't like shopping, it's really unpleasant for me. So it's my fault, self reasons. So people will give external excuses, and so therefore, these people will give us excuses that can't be judged by others to be true or false. So that's fascinating.

• 51:33Mel Robbins?

  You know what I found fascinating about that, is that when you said, "The excuse is aimed at you, it's my fault," that made my heart sink, because...

• 51:44Mel Robbins?

  When you always aim it at yourself, I would imagine that that makes you feel even more stuck, or more ashamed, or more beaten down.

• 51:54Speaker 01

  Yes, you know, make a change. Yes, you're absolutely right. The self-devaluing, the self-criticism, it can be paralyzing and demoralizing, and it's just not right. People shouldn't be doing that. It'll take you a while, but it can happen.

• 52:09Mel Robbins?

  And that, again, goes back to the importance of something that you had just said, Dr. Ferrari, and that is, every time you catch yourself procrastinating, and instead of delaying, you push yourself to take the action. You make the call, you fold the laundry, you start working on that proposal. As Dr. Ferrari said, yahoo! You celebrate the two minutes, and then the seven minutes, and the baby steps. Start rolling from baby steps into you doing it all the time. And next thing you know, you're not a chronic procrastinator at all. You're the kind of person that gets stuff done. And see how this all works together? You catch the excuse, you push yourself to do it, you congratulate and celebrate the fact that you did. Bada bing, bada boom. We're now moving like a Ferrari, Dr. Ferrari.

• 52:53Mel Robbins?

  I know, I love it. You know, we've talked a lot about procrastination when we do it, but, Dr. Ferrari, can you give advice to us for when we are dealing with a procrastinator? Or we live or love somebody who is a chronic procrastinator?

• 53:09Speaker 01

  Okay.

• 53:10Mel Robbins?

  I'm asking on behalf of my husband, who lives with a chronic procrastinator named Mel. Is there any advice, or counsel, or insight that you have to give to somebody who's dealing with someone like this?

• 53:24Speaker 01

  I'm laughing, because you've touched something personal. But it's hard to change them, because they're great excuse-makers. It goes back to that. They'll always tell you, "You don't understand." They'll pull up something in the past. "This is what happened." "Don't you remember?" "How dare you force me? I'm my own person." "Don't be a therapist with me." You know, something like that. They'll throw that one in your face. So, it's not easy.

• 53:47Mel Robbins?

  Do you have a wife who's a procrastinator?

• 53:49Speaker 01

  I'm not allowed to say.

• 53:50Mel Robbins?

  Okay.

• 53:53Speaker 01

  She's now in the other room. And so I better not say anything.

• 53:55Mel Robbins?

  You're not supposed to talk about me.

• 54:00Mel Robbins?

  Oh, man. Well, I gotta thank you. I really learned a lot. And I love how you don't hold back. No, I do. I really do. I love your passion for this.

• 54:15Speaker 01

  You know, listeners too, this is passion. This is not rudeness.

• 54:19Mel Robbins?

  That's why I can go toe to toe with you because I'm equally passionate about what I do. And I deeply respect your research and your expertise here.

• 54:28Speaker 01

  Thank you.

• 54:29Mel Robbins?

  I feel a deep level of hope from your message. Knowing that this is a learned behavior, knowing that society rewards procrastination, knowing that you are completely lying to yourself with these excuses, and you are more capable than you're telling yourself.

• 54:46Speaker 01

  That's right.

• 54:47Mel Robbins?

  And today, you learned that just because you have spent decades procrastinating does not mean you are sentenced to being a procrastinator for the rest of your life. This is not your identity. This is a behavior pattern that you learned, and this is absolutely something that you can and should change. It begins with you making a decision that you want to change. And today, you have learned so much about this topic, and you've also learned very specific things that you can do. Every time you catch yourself procrastinating or making the excuse, stop. Choose to do one small step forward. Pair what you've been avoiding with something that you love. Celebrate the single baby steps that you're making.

• 55:31Mel Robbins?

  And wake up every single day and change one small step forward at a time. That's how you make your life a little bit better every single day. Thank you, Dr. Ferrari.

• 55:45Speaker 01

  Thank you. And you know, you touched on something. Life is short, and I can make my life and other lives better, enriching other people's lives.

• 55:54Mel Robbins?

  Well, thank you. Whew. I don't know about you, but after spending a little bit of time with Dr. Ferrari, I feel like I gotta go do something. You know what I mean? Like, no more procrastinating. But before I jump off the mic and I go tackle that pile of to-dos, I want to make sure I remind you that I love you and I believe in you. Stop listening to those stupid excuses. I've got them too. Put your head down and start to chip away at it. And the most important piece for me is the self-compassion. As you do start doing the work to change, please savor it, be kind to yourself, and cheer yourself forward. Alrighty, I'll see you in a few days.

• 56:43Mel Robbins?

  Here we go. Oh my God. There he is. The one and only.

• 56:50Speaker 01

  I'm probably talking beyond your script, so let's go back. You mentioned you need that creative juices. I love it. So, as you know, the concept of, well, let me write something else down, please, if that's okay?

• 57:04Mel Robbins?

  Sure.

• 57:05Speaker 01

  What does that mean? I gotta drink water.

• 57:07Mel Robbins?

  Do it.

• 57:08Speaker 01

  You know, when you have good food in your mouth, mm, you want to savor that. I gotta keep that in my mouth. So, savor it. So, which one are they doing? Alright, should we go there?

• 57:17Mel Robbins?

  Yes. I love that. Let's do it now.

• 57:20Speaker 01

  Say again? Yes, of course. So, I told you, once I start talking...

• 57:25Mel Robbins?

  I love it. I do have some questions about that, though. Hold on a second. How do we apply this?

• 57:30Speaker 01

  Hold on, I didn't finish my shtick.

• 57:32Mel Robbins?

  I gotta figure out how to ask questions without interrupting you is what I gotta do.

• 57:36Speaker 01

  I know. And I told, I told you before that I do this.

• 57:40Mel Robbins?

  That's fine.

• 57:41Speaker 01

  I don't know what you said. I'm on a roll.

• 57:43Mel Robbins?

  I hear you. I gotta ask you a question, though.

• 57:47Speaker 01

  I'm sorry. I'm going down this path.

• 57:49Mel Robbins?

  I love it. Keep going. No, I love listening to you. Keep going.

• 57:51Speaker 01

  I don't mean to offend any of your listeners, but I am have to be who I am. The, um, now I lost my train of thought.

• 58:06Mel Robbins?

  Oh, and one more thing. And no, this is not a blooper. This is the legal language. You know what the lawyers write and what I need to read to you. This podcast is presented solely for educational and entertainment purposes. I'm just your friend. I am not a licensed therapist and this podcast is not intended as a substitute for the advice of a physician, professional coach, psychotherapist, or other qualified professional. Got it? Good. I'll see you in the next episode.

• 58:41Speaker 01

  Stitcher.

• 58:45Mel Robbins?

  This episode is brought to you by SoFi, the everything app for smarter money. Let me ask you something. Is your money working for you? Or is it just sitting there? A lot of us work hard, get paid, and then leave our paycheck in checking. That's an easy habit to change. With SoFi Checking and Savings, you can earn up to 3.8% savings APY for up to six months with no account fees and a cash bonus of up to $400 when you sign up with eligible direct deposit. Terms apply. It takes just minutes to open an account from your phone and you can organize your savings into vaults for the goals you're working toward. Go to sofi.com/mal to get started. SoFi, get your money right.

• 59:29Mel Robbins?

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