If you don't have money in the bank and need payment to cover living expenses, then you'll be wasting your valuable time and resources pursuing the debt. That t

If you don't have money in the bank and need payment to cover living expenses, then you'll be wasting your valuable time and resources pursuing the debt. That time and energy could be better spent on pursuing new clients. By keeping client balances small, you are in a position of strength, and can walk away if the client doesn't pay.