When choosing to spend time & money, that’s fine, but when … Twetch · February 6, 2020 When choosing to spend time & money, that’s fine, but when that time & money spent costs more time on the backend, that puts the debtor into a category of diminishing returns, to which one may choose to cut further losses. Replies Twetch · February 6, 2020 I wish I would have learned these lessons when I was younger.