Your debt will be paid

Your technical debt will be paid. The question is: will you decide to pay it or will it be collected from you and your team whether you like it or not?

You can pay as you go. Taking the time to develop and refactor things properly.

Or you can pay it incrementally by allowing poorly written code (or simply outdated code) to slow you down to a creep bit by bit.

So, which one will you choose?