Ask HN: At what stage should I adopt Infrastructure as code?

I am working in a fast paced startup. I feel like writing terraform scripts is slowing us down and I think doing everything manually will be the fastest way go forward. At the same, I don't want to be in a situation where I will be spending lot of time in importing the resources back to code via Terraform at a later stage. In the company, we are all engineers and we are all experts in building the application, and DevOPS isn't our greatest strength and we don't have any budget to hire an expert. Did any of you face a similar situation? How do you strike a balance? At what stage did you end up adopting it and at what cost?