Code Debt is the debt we incur when we write sloppy code. We might do this to rush something out the door, with the plan to refactor later. Agile methodologies focus on delivering functionality quickly. They also invoke a mantra of refactoring – “make it better next release.” This can create pressure to “get it done” that overwhelms the objective of “get it done right.” Taking on code debt like this is about as smart as using one credit card to pay off another one.