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>Get rich first, then you can improve your code.

I agree with you, but the second part never happens.

Sure, but how can you fearlessly refactor the code without having automated tests in the first place for example?

Technical debt accumulates interrest.

Version 2.0

Or you start adding unit tests, which may be harder than rewriting

Doing a version 2.0 is easier (but maybe harder) than it looks