[jameshart]

I had an aha moment a few years ago when I realized that technical debt is not taken out by the development team; the development team are the ones making the loan. The debtor is the product/sales team, who got their feature early but now have to pay a little more (in delay or lack of functionality) for every other feature.

Ideally, a dev team delivers feature value at a particular sustainable rate. Think of that as your product team’s ‘income’. Now, if the product team needs a feature early, they can have it if they take out a loan - they can have the feature built without sustainable integration into the codebase - but it will reduce their effective income because future feature delivery will be slowed by the friction of the incurred debt - the interest payments.

Don’t let the product owners make you feel like you have to deal with the burden of debt they took out! They owe you the time to clean up the mess they demanded to get their features faster.