This document discusses technical debt and how it causes friction in software development. It defines technical debt as design or construction approaches that are expedient in the short term but increase costs over time. Technical debt can be unintentional due to poor decisions, or intentional to prioritize present needs over future needs. If not repaid, technical debt accumulates interest that slows development through reduced productivity and increased defects. The document examines different perspectives on technical debt and proposes that reducing it can decrease friction in software development.