Make Technical Debt Concrete Before You Pay It

The bill Debt language needs accounting. Principal is the cleanup still owed. Interest is the extra work or risk the team keeps paying. Without that separation, "technical debt" becomes a vague appeal to care more about quality. The decision Refactor debt when the interest is real and the repayment slice is sized. Some debt is tolerable because the code is stable. Some debt is urgent because every new feature pays the tax. The right refactor is the one that reduces an active tax without creating a larger migration risk. The trigger A useful debt note names when to act: before…

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