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Andy Garrett on Instagram: "I’ve been thinking lately about the real cost of retainage. On a $500K project, holding 10% means $50,000 that you’ve earned… but won’t see until the projects ends, could be a year, could be two years.. it’s kind of out of your control. And it’s easy to just accept that as part of the deal. But when you step back, it’s worth considering what that actually costs: That $50K could’ve been put to work — buying materials, investing in growth, or even just sitting in a mone
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