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Overconfidence
The most expensive debt is often baked in at the proposal stage. Overconfidence replaces Bayesian reasoning updating probabilities based on what we already know with "optimistic stories," creating structural debt before the work even begins.


The World Cup Won't Care How Much You Want the U.S. to Win
The delta between expectations and reality is disappointment. That's the whole thing in parenting, in soccer, and in every process rollout you've ever watched underdeliver. We had the game tape. We had the odds. We rooted for the U.S. anyway. And then we ran our operations the exact same way: wanting something to be true instead of building the system that makes it true.
Chris Terrell
Jul 106 min read


When Bad Assumptions Blow Up Your Budget (And Your Business)
"In software, you test your code before it ships. In life, you're testing in production. And when there's a bug that was in prod. You can't roll it back."
— Dr. Adam Link
Chris Terrell
Apr 103 min read


Your business doesn't need more "innovation." It needs to be more boring. 🥱
We’ve been conditioned to think 'boring' means stagnation, but in operations, boring is your ultimate competitive advantage. Just like sleep hygiene, a business without rhythm isn't an operation—it’s just noise. If you want to scale, you have to stop chasing complexity and start embracing the predictable. Because if a process isn't boring, it isn't ready to be automated.
Chris Terrell
Mar 62 min read


The High Cost of Being Right: Prediction Markets, Process Debt, and the "Pyromaniac" Manager
Is the person saving the day actually the one who started the fire? In this episode of the Process Debt podcast, we dive into the world of prediction markets and why most businesses fail to evaluate the quality of their decisions. From "corporate pyromaniacs" who thrive on chaos to the mastering statistical bias. Learn why psychological safety is the missing ingredient in risk management and how a simple calendar trick can reveal if you’re actually a good leader—or just lucky
Chris Terrell
Feb 63 min read


Judging Ourselves by Intentions, Others by Actions
We tend to judge ourselves by our intentions and everyone else by their actions. It’s a subtle bias that feels harmless, but it quietly creates process debt everywhere from missed emails to failed system implementations. It it time to unpack why intentions feel productive, why actions are uncomfortable, and how time, habits, and learning curves expose the gap between the two. Turns out, most treadmills don’t fail we just never turn them on.
Chris Terrell
Jan 103 min read


The Process of Blame: Why Fast Thinking Breaks Slow Systems
Blame is the fastest reflex in business. A quick way to dodge discomfort without fixing anything. But real process health comes from slowing down, understanding the work, and building boring-but-powerful rituals that prevent chaos. When we value clarity over reaction, the fires stop before they start.
Chris Terrell
Dec 19, 20253 min read


Are We Living Through the AI Bubble Again?
The AI boom feels a lot like the telecom bubble of the early 2000s — a race to build infrastructure faster than anyone can figure out how to monetize it. Investors like Michael Burry and industry insiders aren’t betting against AI itself; they’re betting against the unsustainable hype cycle surrounding it. Just like fiber-optic cable once outpaced demand, today’s AI valuations are outpacing real business value. The tech is real, the promise is real, but the process behind it

tobylucich
Nov 21, 20253 min read


Decisions, Decisions: Why Business Choices Are Harder Than They Look
Decision quality doesn’t improve with more reps—it improves with perfect practice. Start by naming the constraint, making a prediction with a time horizon, and committing to a retro. One decision per leader per quarter can slash process debt and make strategy real.
Chris Terrell
Aug 22, 20252 min read


Simplifying Complexity in Business Processes and escaping the Dunning-Kruger Effect
Most process debt doesn’t live inside silos; it piles up in the voids between them. Systems can be green while the customer experience is red. Escape the Dunning-Kruger trap by going to see the work, inspecting handoffs, and embedding a report inside every ritual so motion turns into measurable outcomes.
Chris Terrell
Feb 14, 20252 min read
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