Technical debt is something that most project teams or independent developers have to deal with '" we take shortcuts to push out releases, we don't focus on quality, deadlines need to be met, quick fixes slowly become the standard. Whatever the reason, if we don't manage our technical debt (not unlike financial debt), before too long our applications are technically bankrupt, and we are forced to completely refactor and start anew.

She talks about what technical debt is, when it's okay and when it's not, managing it, how to minimize it and how to address it as both an individual and team. You can either listen via the in-page player or download it directly. She's also posted her slides to her blog.