What "later" buys you
Picture a normal weekday. You come home, drop your bag, and walk into the kitchen. Breakfast things are on the counter, last night's pots are in the sink, and the bin is full enough that the lid sits at an angle. Your mood drops a little.
Then you think, "I'll sort it after dinner." And your mood comes back up.
Look closely at that second moment, because the whole habit turns on it. Nothing in the kitchen changed. The pots are still there. What changed is how you feel, and it changed at once, for free, just because you thought a sentence. That lift is what "later" buys you.
Two psychologists who study procrastination, Fuschia Sirois and Timothy Pychyl, have argued that this is a large part of what procrastination is. In their account, people who put things off are managing a mood. The task brings up an unpleasant feeling, such as boredom, dread or resentment, and postponing the task removes the feeling quickly. Feeling better now takes priority, and the bill goes to your future self.
I find that account persuasive because it explains why tips and charts barely dent the habit. A habit that gets rewarded within one second, every time, is going to be sturdy. It also explains why you aren't stupid for having it. Your mind found a fast way to stop an unpleasant feeling, and kept using it.
Now the charge. With most postponed tasks, out of sight helps a bit. A tax form in a drawer can stay quiet for days. Housework can't, because you live inside the to-do list. The sink is on the way to the kettle. The laundry basket is beside the bed. Every time you pass one of them the unpleasant feeling returns, and you have to buy relief again with another "later".
So count what you're getting. The relief lasts until the next time you see the job, which at home might be twenty minutes. And the discomfort you keep relieving is produced by the postponed job. A person who washed the pots after dinner has nothing to feel relieved about. They just have an evening.
It works much like the snooze button. You press it and get nine more minutes in bed, which sounds like a gift. But you spend those minutes half awake, waiting for the alarm, and they're worse than either sleeping or getting up.
There's a fair objection here. Sometimes "later" is just sensible scheduling. If you think "I'll hoover on Saturday morning" and on Saturday morning you hoover, that's a plan, and plans are good. The two are easy to tell apart. A plan has a time attached and you trust yourself to keep it, so the matter feels settled and leaves your mind. The habit version has no time attached, part of you knows it, and the chore is back in your thoughts within the hour.
For the next day or two, you don't need to do anything differently. Just catch the moment when it happens. Notice the flinch, the word "later", and the small lift that follows. Then notice how long the lift lasts before you see the job again. You're checking my claim against your own kitchen, and that's the only evidence that will matter to you.