Technical debt is work deliberately deferred to ship sooner, and the ongoing cost of that decision. Debt is legitimate when it is named, dated and scheduled. It becomes a problem when it is invisible to the people approving the roadmap, who then cannot understand why everything is slowing down.
The symptom is not ugly code; it is a fall in the rate of change. Small features start taking weeks, estimates lose their meaning and the same area keeps breaking. The fix is to make it visible: a short register of known compromises, what each one costs, and what it would take to clear it, reviewed alongside the feature list rather than separately.
Where it fits in a build
Every system carries some. The question a buyer should ask a supplier is not whether there is any, but whether they can show you the list.
Common mistakes
Treating a rewrite as the remedy, when the same pressures will produce the same result.
Letting dependencies age until an upgrade is a project of its own.
No tests, which converts every change into a risk and makes paying the debt down unaffordable.
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