Many of us know that reducing financial debt in our lives leads to a bit more security in our minds. We are better able to cope with unexpected expenses when we have the ability to get credit or pay for something in cash. If you've ever had a major house repair, car calamity, or (hopefully not) medical issue, you know what I mean. At least in the US. That last one is less of an issue in many other countries.

We know that our code has technical debt, and often we fight a battle with project managers and business people over whether we should spend time paying down that technical debt or developing new features. We certainly can do both, but often that's not a choice we are given. If we do get the chance to reduce technical debt, it's a tiny fraction of the time that is allocated to adding something new.

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