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@thomasfuchs FWIW, I actually like it specifically because debt is not always bad. E.g., I don't own my house; I have a mortgage. But that's completely fine, given my circumstances.

Just like with real debt, with tech debt, I mostly look at how much "interest" we're paying. How much are we paying with dev speed? with compatibility? with security? If the answers to all of those are low to nil, it's fine debt, just let it be. If they're high, might be time to pay down the debt.