[mhashim]

I would add health/physical debt. Many people discount the impact of those extra pounds gained during an unhealthy streak of eating. They not only put you on an unhealthy trajectory that requires a ton of effort to reverse, but they also have many hidden and side effects that unfortunately we can't measure/identify until later on. And that, I guess, is why we discount the health debt.

[verelo]

Gez you beat me to it! I just wanted to +1 this, in launching our company, one thing that has been killing me has been my health. I've put on weight, started drinking more, eating more and exercising less...

Today i went for a run, i think it'll make me more productive tomorrow. Get disciplined is the plan, but i'm not sure how easy it'll be...im going to write about this next week.