+3 / +7 / +14 days — what's the right reminder cadence for late invoices?

Building Invoice Reminder, I've been agonizing over the default cadence

for follow-ups on overdue invoices.

Right now I send at +3, +7, and +14 days after the due date — felt like

the right balance between "respectful" and "I actually need this money."

But I'd love to hear from people who do this in real life:

- What cadence do you currently use?

- Have you ever lost a client by reminding too aggressively?

- Have you ever lost money by reminding too softly?

- Is there a magic message or escalation that finally got a slow-payer

to act?

Genuinely trying to ship sensible defaults. War stories welcome.