Technical debt can help you deliver faster. But it depends on your time horizon. And how much debt you're taking. For most places I've worked, the analogy is

Technical debt can help you deliver faster. But it depends on your time horizon. And how much debt you're taking. For most places I've worked, the analogy isn't a cash-flush business, it's a household that's living paycheck to paycheck. The feature requests are insatiable, and there's never enough headcount to pay for them all to get finished as fast as they would like. If you can only afford is Top Ramen, you probably shouldn't be taking loans out to eat at Maestro's.