1. You have too much to do today.
2. You think you can always make more money later.
3. You didn’t know it was important.
4. You think it’s too complicated.
5. You can always pay someone else to worry about it.
6. You’re filthy rich.
7. Your parents are filthy rich.
8. Your significant other is filthy rich.
9. Your parents didn’t seem to care, so why should you?
10. You think you’ll hit the jackpot eventually one day.
11. You just received a large windfall and you’re sure it’ll last forever without problems.
12. You don’t believe money is important (it’s not, but life isn’t free).
13. You didn’t realize retirement is just a few years away.
14. You didn’t think about the fact that you’ll retire one day.
15. Your retirement is decades away, you can always worry about it later.
16. You were brought up to not talk about money openly.
17. You were never taught to care about it.
18. You’re in high school, why should you care?
19. You’re in college, you’re too drunk to care.
20. You just finished college, you’re too busy working (or finding a job) to care.
21. You’re about to propose, there’s too much going on to care.
22. You just got married, now it’s even more complicated to care.
23. You have kids. You’re seriously too busy working and raising your kids to care.
24. You don’t know how to talk about it with your significant other.
25. You’re positive you will always be in good health and always have job prospects.
26. You believe in your income source and job security.
27. You believe that social security will be enough.
28. You believe that your children will take care of you when you retire.
29. You believe that your significant other will always take care of you.
30. You’re just too damn tired to care.

Are there may more reasons? You betcha.

Been putting off starting that retirement account because it seems too complicated?

Call your company’s human resource department and have someone walk you through setting up a 401k. Next, have your personal information ready, visit Fidelity or Vanguard’s website, and open up an IRA today (doesn’t matter which one, just open one). It seriously only takes about 15 minutes to open and fund an account. You can figure out what to invest in later — the important part is taking the first step.

Been putting off talking to your loved ones about your financial worries?

Sit them down and talk. The difficult conversations are always the most important ones. Sure, it may not be easy, but the alternatives can sometimes be much worse. Your parents may lose their house. Complications may lead to divorce. You might have to bail your kids out later. You might have to ask your parents to bail you out. You might have to start all over again — at age 57.

For every reason to not care and to not do anything, there are hundreds more reasons to care and to do something about your personal finance.