Technical debt is an interesting topic, it is something that all devs experience whether they realize it or not but actually putting into words what it is and isn't can be tricky.
Your finance metaphor really hit the nose on the head, I have dealt with developers who would take three times as long as the other developers because they were so worried about technical debt but I have also met devs who would do the complete opposite and write their code in a way that would make it almost impossible to change their code. It is all about balance and finding the time to go back and fix those pesky TODOs.
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Technical debt is an interesting topic, it is something that all devs experience whether they realize it or not but actually putting into words what it is and isn't can be tricky.
Your finance metaphor really hit the nose on the head, I have dealt with developers who would take three times as long as the other developers because they were so worried about technical debt but I have also met devs who would do the complete opposite and write their code in a way that would make it almost impossible to change their code. It is all about balance and finding the time to go back and fix those pesky TODOs.