Foundations — Debt as a Design Material
Core principles and the Engineer → Bet → Track → Transform loop.
Debt Engineering reframes “debt” from a burden to a material for learning. It treats trade‑offs as deliberate design choices, made visible and instrumented.
The loop:
- Engineer — make debt explicit, measurable, and intentional.
- Bet — articulate hypotheses, stakes, and expected learning.
- Track — measure learning yield, carry cost, and risk exposure.
- Transform — repay, refinance, or let mature; capture reusable insight.
Principles:
- Visibility over vagueness — instrument where risk accumulates.
- Learning yield over vanity metrics — optimize for understanding gained.
- Optionality over certainty — keep reversibility and option value in view.