James G
Founder
September 29, 20259 min read
What is Technical Debt?
Technical debt is the future cost of taking shortcuts now:
- Intentional: Shipping fast, knowing you'll refactor later
- Unintentional: Accumulated from poor decisions or changing requirements
The Cost of Technical Debt
Unpaid debt compounds:
- Slower feature development
- More bugs
- Harder onboarding for new developers
- Increased risk of outages
When to Pay Down Debt
Pay Now If:
- It's blocking critical work
- It affects customer experience
- Security risk exists
- Developer productivity is significantly impacted
Pay Later If:
- The code rarely changes
- The impact is minimal
- Bigger priorities exist
- You might replace it anyway
Frameworks for Prioritization
The Debt Quadrant
Plot debt on two axes:
| High Impact | Low Impact | |
|---|---|---|
| Easy Fix | Do Now | Fill Time |
| Hard Fix | Plan Carefully | Maybe Never |
The 20% Rule
Reserve 20% of each sprint for debt:
10 points capacity:
- 8 points: Feature work
- 2 points: Tech debt
The Pain-Driven Approach
Track debt by how often it causes pain:
| Debt Item | Times Mentioned | Impact | Priority |
|---|---|---|---|
| Legacy auth | 12 | High | P1 |
| Old CSS | 3 | Low | P3 |
| Test gaps | 8 | Medium | P2 |
Mixing Debt with Features
Don't hide debt in a separate list. Integrate it:
- Compare debt items to features using same framework
- Make debt visible to stakeholders
- Celebrate debt payoff like feature launches
Preventing New Debt
Code Review Standards
- No shortcuts without documented rationale
- Debt must be logged when incurred
- Follow-up ticket required
Definition of Done
Include debt considerations:
- [ ] No new tech debt introduced (or logged if unavoidable)
- [ ] Existing debt touched was improved or logged
This article was generated by SeoMate - AI-powered SEO content generation.



