https://www.theregister.co.uk/2018/02/23/dealing_with_technical_debt/

Technical debt: we probably create it every day. It happens when you do things that might get you closer to goal now, but which create problems that you’ll have to pay for later.

The concept “technical debt” in software design and development comes from Agile development guru Ward Cunningham. He described what happens when you rush to ship software without applying what you’re learned about the problem you’re trying to solve.