Which shortcuts are safe to take in an MVP
Debt you can repay later is fine. Debt that touches user data or money is not debt, it is a future incident.

Debt is a decision, not an accident
Shipping fast means leaving things unfinished on purpose. The skill is knowing which unfinished things stay cheap and which compound.
Usually safe
- No caching layer. Add it when a real query is slow.
- Manual back-office steps. A human running a script is fine at low volume.
- One large module instead of clean boundaries. Splitting later is mechanical work.
- Minimal admin tooling. Database access plus care covers the early period.
These share a trait: fixing them later costs roughly what it would cost now.
Rarely safe
- Anything touching authentication or authorisation. Retrofitting access control across a codebase that assumed everyone could see everything is close to a rewrite.
- Data you cannot migrate. A schema with no clear identity for each record becomes very expensive once real records exist.
- Money handling without an audit trail. Reconstructing what was charged, when, and why is not something you can add afterwards.
- No backups. This is not debt. It is an unfunded liability.
The discipline that keeps this honest
Write the shortcut down when you take it, with the condition that triggers repayment: at a thousand users, before the first enterprise customer, when this query passes a threshold. Undocumented debt is indistinguishable from an oversight six months later, and gets defended as a design decision by people who were not there.
ToolGo Team
Product & Engineering
We build practical SaaS tools and write about what we learn — from product decisions to technical deep-dives.

