What happens when a software engineer gets tired of not being able to see the finish line of paying off debt?
He builds the solution himself.
In this episode of the BIT Voices Podcast, we sit down with Senior Software Engineer, independent builder, and Toffee creator Terry Threatt to discuss building products that solve real problems.
What began as a personal debt-payoff journey ultimately became a fintech application designed to help people understand how their financial decisions impact their debt-free future.
But this conversation goes far beyond personal finance.
Terry shares his unconventional path into software engineering, building products while working full-time, leveraging AI as an independent developer, mentoring the next generation of technologists, and why strong engineering fundamentals still matter in the age of AI-assisted development.
If you're a software engineer, founder, indie hacker, or aspiring builder, this episode is packed with insights on solving problems you actually understand and using technology to create meaningful solutions.
In this episode, we discuss:
• Building Toffee and solving a problem born from personal experience
• Why seeing your debt-free date changes financial behavior
• Building products while working a full-time engineering career
• Using AI to become a more effective software engineer and independent builder
• Why AI should accelerate learning—not replace technical fundamentals
• The future of software engineering in the age of coding agents
• Transitioning into tech without a traditional computer science background
• Mentorship, imposter syndrome, and lifelong learning
• Why problem-solving matters more than being loyal to a programming language
• Teaching the next generation how to think like builders
Terry reminds us that some of the best products don't begin with a business plan—they begin with a problem worth solving.
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ABOUT BIT VOICES PODCAST
BIT Voices Podcast amplifies Black excellence in technology by creating space for Black builders, founders, engineers, and innovators to share their stories, expertise, and vision for the future of technology.
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CONNECT WITH TERRY THREATT
Website:
https://www.terrythreatt.com
Instagram & Threads:
@manwittaplan
Toffee:
Available on iOS and Android
Book:
How to Get Into Tech Without Spending a Ton on a Degree
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EXPLORE THE ECOSYSTEM
https://notablebit.com
https://bdonaldharris.com
https://bitvoices.network
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