
We are inept at perceiving the effects of debt, we grossly underestimate compounding factors and fall into a debt trap. Debt is tempting, it gives that edge to own things which is not possible now but only with the future effort that we can conveniently borrow and buy. There is a saying in Tamil, buying something in loan is like lighting a fire with borrowed hay but to repay it has to be paid in wood for same volume. If instant gratification takes priority then debt that needs to be repaid will hit us hard and bring us to a grinding halt. Corporates love debt, because with a lower cost of interest they will be able to create a high value output. This is where debt helps, if we are able to create something that is more valuable that can repay the debt with interest and still leave us with lots of money then debt is good.
Developers take debt analogy to code and create technical debt to get features fast to production, one major drawback is that most of us don’t understand monetary debt and its impacts well even though it can be quantified; but take decisions on technical debt which is difficult to quantify.

Let us have a look at an analogy, Neo has a trash can in his area that has to be cleared periodically. Clearing the trash can whether it contains little trash or full can of trash takes the same effort, so he prefers till the trash can fills up. The trash accumulates in a way that it doubles every day if not cleared. A new person Brio takes up the place of Neo, Neo explains that the first day only a gram of trash gets generated after clearing, but if left uncleared it doubles every day. He used to clear it every 10th day as it is around 500 grams by that time.

Brio observes that the trash piling up day to day is trivial to care about, around the tenth day he notices that trash is 500 grams and barely fills the can, he decides to come back 10 more days later forgetting the fact that it doubles. 10 days later what was a small can trash turns into an unmanageable heap of mess which is about 500 kilograms. The power of compounding is too easy to miss in the initial days, it will hit us hard who are used to linear maths.

Same is applicable for technical debts in an application. Tradeoff decisions have to be recorded and visited at frequent intervals to see if it is causing any harm than the convenience it provided. Technical debt also paves way for ‘Broken Windows’. Software development is a social activity, it will be very easy to make a broken window the new norm when code changes hands. Run your tech retrospectives; review code, design and architecture as an entire team at frequent intervals, that will help to manage technical debt better. Remember, it is not like corporate debt which is manageable by numbers.

Still at my home town some people equate being fat to prosperity. A fat person is someone who had steady access to food even at times of drought and famine, hence dying of hunger was ruled out. People ate whatever they can so that starvation does not kill them. Food revolution increased the availability of food and people started to eat well; when the life expectancy of every one improved, obesity became an issue. People were now dying because of overeating, unhealthy snacking and not maintaining a healthy life style.
We are right now in the era of information snacking where we are increasing our knowledge to a great deal, learned to drink it out of a firehose but not able to apply it effectively when needed. More and more people are addicted to ‘pull to refresh’ and snack on one liners, emails are annotated with TL;DRs and prefer to read a lot of tweets than read a book.
one big distraction which was overtaken by social media, staying away from this for quality information consumption and time for family is a difficult but not an impossible thing to do. It is like going to gym toning up the body complemented by a healthy diet. Start slowly by turning off all notifications, keeping only one or two channels like telephone as an instant communication system; in other words change to a pull mode than being pushed with information. Dedicate slots for reading books, newspapers or other things which has long text, periodically clear out the social media backlog; indulge yourself once in a while but come back to a healthy routine.
Why read long texts? Reading has helped me gather thoughts, play thought experiments, ability to write & articulate well; beyond that it took my mind of the constant buzz that follows a work day. Maintain a list of books to read, motivate other friends to read and share your learnings and stories. There are so many books that are rich in content and only limited time to read, sharing the book experience with others is rewarding as we get lots of information from others in a condensed but more interactive form as well as encourage us to read more and share. Stay away from information snacking, it just feeds empty knowledge. Consume information with a planned diet.