SMRTR ProgrammingMar 31, 2026Dev.to

Bad Code Is a High-Interest Loan: How Technical Debt Slowly Kills Team Velocity

SMRTR summary

Technical debt accumulates like a high-interest loan, initially boosting development speed through shortcuts but eventually slowing teams down as complexity compounds. The article explains how this debt manifests as daily friction, making features harder to implement and bugs more frequent. Rather than eliminating all debt, teams should manage it intentionally through consistent refactoring practices and viewing code improvements as velocity investments.

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