Strategic Debt
"We know this shortcut and will fix it next sprint"
Prudent + Deliberate
Learned Debt
"Now we know how we should have built it"
Prudent + Inadvertent
Shortcut Debt
"We don't have time to do it right"
Reckless + Deliberate
Ignorance Debt
"What's a design pattern?"
Reckless + Inadvertent