By Rick Fletcher, Group President, Carpe Peibles To earn money you have to spend money. It’s an old saying, and it’s true. But it takes a long time for people to actually pay. It is important to your business operations, but it is not the reason why you are in business. This means that there are opportunity costs. You have to spend the money on money expenses rather than on revenue generating activities. There are also mindshare costs. Making vendor payments is a brute force operation.