If you prefer to go the cheesy way, cause this is one thing I don’t agree with the Devs on honestly, lol… At least when it comes to the same class… I shouldn’t have to create a new “warder” let’s say if I wanted to try a different type of build of the same class. Which is why I found those insane respec costs just silly…
Anyway, ranting aside, get Grim Dawn Defiler:
http://www.grimdawn.com/forums/showthread.php?t=9343
It’s a neat little tool, that obviously can pretty much cheese the game for you on a lot of things (so try to avoid doing that, lol), but the best feature I find for this program is the neat little nifty reset “respec points” button back to it’s original cost…
Meaning the costs of respec will go down the cheap 25 bits it is, than go up as you continue to respec. Again, super handy I find if you notice you really screwed up your build and just don’t have enough money to respec things out of it.
Granted, once you stop with the respec costs and solely stick to the farming either via Crucible if you got the DLC, or simply farming Ultimate difficulty the money will add up quickly as others have stated :).