What happens when a software engineer gets tired of not being able to see the finish line of paying off debt?

He builds the solution himself.

In this episode of the BIT Voices Podcast, we sit down with Senior Software Engineer, independent builder, and Toffee creator Terry Threatt to discuss building products that solve real problems.

What began as a personal debt-payoff journey ultimately became a fintech application designed to help people understand how their financial decisions impact their debt-free future.

But this conversation goes far beyond personal finance.

Terry shares his unconventional path into software engineering, building products while working full-time, leveraging AI as an independent developer, mentoring the next generation of technologists, and why strong engineering fundamentals still matter in  ...