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debt-ledger

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UpdatedJune 23, 2026 at 12:29

Harvest every `deferred:` comment in the codebase into a debt ledger, so deliberate shortcuts and deferrals get tracked instead of rotting into "later means never". Use when the user says "debt ledger", "/debt-ledger", "what did we defer", "list the shortcuts", "ponytail ledger", or "what did we mark to do later". One-shot report, changes nothing.

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FranciscoJRSantos

FranciscoJRSantos/personal-agents

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Software DevelopersComputer and Mathematical Occupations·SOC 15-1252

SKILL.md

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name	debt-ledger
description	Harvest every `deferred:` comment in the codebase into a debt ledger, so deliberate shortcuts and deferrals get tracked instead of rotting into "later means never". Use when the user says "debt ledger", "/debt-ledger", "what did we defer", "list the shortcuts", "ponytail ledger", or "what did we mark to do later". One-shot report, changes nothing.

Debt Ledger

Every deliberate shortcut is marked with a deferred: comment naming its ceiling and upgrade path. This collects them into one ledger so a deferral can't quietly become permanent.

Step 1: Scan

Grep the repo for deferred: markers, skipping node_modules, .git, and build output:

grep -rnE '(#|//) ?deferred:' . \
  --exclude-dir=node_modules \
  --exclude-dir=.git \
  --exclude-dir=dist \
  --exclude-dir=build \
  --exclude-dir=__pycache__ \
  --exclude-dir=.next \
  --exclude-dir=target

Each hit is one ledger row. The comment prefix keeps prose that merely mentions the convention out of the ledger.

Step 2: Parse and Format

One row per marker, grouped by file:

<file>:L<line>, <what was simplified>. ceiling: <the limit named>. upgrade: <the trigger to revisit>.

The convention is deferred: <ceiling>, <upgrade path>, so pull the ceiling and the trigger straight from the comment.

If git is available, optionally add an owner:

git blame -L<line>,<line> --porcelain <file> | head -1

Step 3: Flag Rot Risk

Any deferred: comment that names no upgrade path or trigger gets a no-trigger tag — those are the ones that silently rot.

Step 4: Report

## Deferred Debt Ledger

| File | Line | What | Ceiling | Upgrade | Owner | Status |
|------|------|------|---------|---------|-------|--------|
| app/cache.py | L42 | global lock | throughput matters | per-account locks | francisco | ok |
| lib/parser.py | L88 | naive heuristic | (no trigger) | — | — | no-trigger |

---
3 markers, 1 with no trigger.

If nothing found: No deferred: debt. Clean ledger.

Step 5: Persist (optional)

If the user asks to save it, write to .agents/artifacts/debt-ledger.md with YAML frontmatter:

---
artifact: debt-ledger
skill: debt-ledger
created: <ISO 8601 timestamp>
status: <clean|has-items>
markers: <N>
no_trigger: <M>
---

Boundaries

Reads and reports only, changes nothing. One-shot. Complements /learn (session-level lessons) and .agents/STATE.md "Deferred Items" (session deferrals) with code-level deferral tracking.

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name	debt-ledger
description	Harvest every `deferred:` comment in the codebase into a debt ledger, so deliberate shortcuts and deferrals get tracked instead of rotting into "later means never". Use when the user says "debt ledger", "/debt-ledger", "what did we defer", "list the shortcuts", "ponytail ledger", or "what did we mark to do later". One-shot report, changes nothing.

Debt Ledger

Every deliberate shortcut is marked with a deferred: comment naming its ceiling and upgrade path. This collects them into one ledger so a deferral can't quietly become permanent.

Step 1: Scan

Grep the repo for deferred: markers, skipping node_modules, .git, and build output:

grep -rnE '(#|//) ?deferred:' . \
  --exclude-dir=node_modules \
  --exclude-dir=.git \
  --exclude-dir=dist \
  --exclude-dir=build \
  --exclude-dir=__pycache__ \
  --exclude-dir=.next \
  --exclude-dir=target

Each hit is one ledger row. The comment prefix keeps prose that merely mentions the convention out of the ledger.

Step 2: Parse and Format

One row per marker, grouped by file:

<file>:L<line>, <what was simplified>. ceiling: <the limit named>. upgrade: <the trigger to revisit>.

The convention is deferred: <ceiling>, <upgrade path>, so pull the ceiling and the trigger straight from the comment.

If git is available, optionally add an owner:

git blame -L<line>,<line> --porcelain <file> | head -1

Step 3: Flag Rot Risk

Any deferred: comment that names no upgrade path or trigger gets a no-trigger tag — those are the ones that silently rot.

Step 4: Report

## Deferred Debt Ledger

| File | Line | What | Ceiling | Upgrade | Owner | Status |
|------|------|------|---------|---------|-------|--------|
| app/cache.py | L42 | global lock | throughput matters | per-account locks | francisco | ok |
| lib/parser.py | L88 | naive heuristic | (no trigger) | — | — | no-trigger |

---
3 markers, 1 with no trigger.

If nothing found: No deferred: debt. Clean ledger.

Step 5: Persist (optional)

If the user asks to save it, write to .agents/artifacts/debt-ledger.md with YAML frontmatter:

---
artifact: debt-ledger
skill: debt-ledger
created: <ISO 8601 timestamp>
status: <clean|has-items>
markers: <N>
no_trigger: <M>
---

Boundaries

Reads and reports only, changes nothing. One-shot. Complements /learn (session-level lessons) and .agents/STATE.md "Deferred Items" (session deferrals) with code-level deferral tracking.