When is the right moment?  I am a big believer in persistence and stick-to-it-ness, but there are times you have make a decision to stop throwing good after bad-- be it your time or your money.  Many times you need to draw the proverbial line in the sand.  You need to make a new decision regarding:

• Relationships-- Some relationships are negative and toxic.  They can impact your health, wealth, and overall well being, sometimes it is better to end them.  Is this the person you will marry?  Will staying in the marriage be best for all involved?  Is this friend or family member a bad influence on you and yours? 
• Jobs-- Does your job demand more than the rewards it provides?  Is there still upside potential?  Is it in an industry in decline? 
• Investments-- When you entered into the investment, you should have had an exit strategy.   Are you holding on to a loss in hopes of recapturing it rather than putting the remaining money in something that might go up?  Opportunity cost is very expensive-- are you letting the new opportunity slip away?  
• Cars-- When are you throwing good money after bad?  At what point does a new or new to you car make sense?
• Businesses-- A new business takes time to make it successful, but not every business succeeds.  It is a common rule of thumb is that a new business runs in the red the first 2-3 years-- that said, what does the projected forecast look like?  Do the rewards still seem worth it?

What if you do it a moment too soon?  There is no way to be sure.  True, you could bail too soon, but my view is that you can't look back once you make your decision.  You need to stick to your guns and make the most of the new decision.  Have the courage to make the change.

You can't change the past, can do little with today, but tomorrow is an open book yet to be written.

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