This phrase is casual and might not be understood in formal situations or by people not familiar with English slang. He lost his job and said, 'Well, that's torn it,' but his non-English friends were confused.
Pro Tip 2/3
Frustration Tone
The phrase often conveys a sense of frustration or resignation when plans go wrong unexpectedly. The rain started right before our outdoor event, and the organizer muttered, 'That's torn it.'
Pro Tip 3/3
Negative Outcome
Use it when a mishap has likely caused a negative outcome, not a positive or neutral one. I forgot to turn off the sprinklers and my phone was outside. That's torn it!