INTRODUCTION Cognitive decline is a global health concern, making the identification of early, modifiable risk factors essential. While apathy is a recognized prodromal marker, procrastination may also signal early executive dysfunction. METHODS We used longitudinal secondary data from the United States Health and Retirement Study among adults aged 60+ . Cognitive function, procrastination, depression, and a proxy measure of apathy were assessed. Transitions between normative cognitive function, mild cognitive impairment (MCI), and dementia were modeled using a discrete‐time first‐order Markov model. RESULTS Procrastination scores were higher among individuals with MCI or dementia than those with normative cognitive function. Procrastination also interacted with age, disproportionately increasing the risk of decline in the oldest participants. DISCUSSION Procrastination was associated with cognitive impairment and predicted transitions to MCI, suggesting it may serve as both an early behavioral marker and compounding risk factor. Highlights Procrastination predicts cognitive decline in older adults. Effects remain after accounting for apathy. Longitudinal study links everyday behavior to dementia risk. Procrastination may be a potentially modifiable early behavioral marker.