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I've read some wonderful responses, especially nostrademons's. I don't see "minimizing technical debt" on the page yet, so I would like to mention it. This would require discipline, having grasped some/all of the overall picture, and foresight/planning.

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I think it's more important to understand the pros and cons of going into technical debt. It's much like real debt: sometimes, by taking on debt in the short term, you can spring board yourself to a better place in the long term.

Ruthless eliminating technical debt would be like living life without credits cards, a mortgage, ...

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