How do you balance trade-offs between technical debt and delivery?

I assess the risk and cost of the debt. If it’s minor (like a code smell in a non-critical

module), I log it as tech debt in Jira and schedule it post-release. But if it's something like

skipping unit tests for a new payment flow—I push back, because the long-term risk is too

high. I always try to make tech debt visible to stakeholders, so they understand the trade-offs

being made.