I always think I’m way worse than most people in bureaucratic life optimization (taxes, incorporation stuff, retirement stuff, investing) but anytime I tweet or share publicly on these banalities I get refreshing validation that I’m probably better than average/far less phobic.
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Sounds like you are way worse than you should (and at least in your case know) you should be. Which is average for America.
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waitbutwhy's post about procrastination gets him like 80-90% of his correspondence, I believe. the whole world lives in shame re: this. also see:
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adulthood is emailing "sorry for the delayed response!" back and forth until one of you dies
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