As a programmer, time is your most valuable resource, and being penny-wise but pound-foolish can hurt your productivity. Some avoid paying for tools like ChatGPT or GitHub Copilot, thinking they’ll save money. But what’s often overlooked is the hidden cost—time. By not investing in these tools, you could end up spending hours on tasks that could have been done in a fraction of the time. Maximizing your time with the right tools isn't just about convenience—it's about working smarter, not harder, and creating more value in less time. Great tools are investments, not expenses.