You may have heard of “engineering debt”. Coders and web developers use the term to describe what happens when you take shortcuts to meet a deadline — skipping lines of code and skirting best practices in the interest of getting the job done. The end result may work, but it’s slower and glitchier than it needs to be — you’ll pay the price for cutting corners. Manu Smadja, co-founder of edtech and financial inclusion startup MPOWER Financing, has another term he’s fond of: diversity debt. It’s what happens when a startup leader fails to invest in diversity and inclusion from the very beginning.