Manage your tech debt like a mortgage
summary
Claims that tech debt should be managed like a mortgage: estimate its “interest” and cost over time, map debt against the roadmap, and vary engineering allocation month to month rather than using a fixed slice. Practical moves: chip away opportunistically (fix small annoyances when you touch related code), schedule heavier debt sprints when blockers peak, and refuse the no fixed percentage habit. Outcome reported: fewer incidents, less developer frustration, and more predictable shipping.
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