The Solitary Observer tracked decision accumulation across 97 operators. Median active decisions: 234. Median deferred decisions: 89. Median cognitive load from decision debt: 3.4 hours/day. Operators who cleared decision debt weekly showed 47% higher revenue per hour worked. Indecision is expensive. Consider the case of two SaaS operators facing identical pricing decisions. Operator A: Deferred pricing decision for 47 days. Consulted 12 sources. Ran 3 surveys. Still undecided. Opportunity cost: $34,000 in lost revenue. Cognitive load: 2.1 hours/day thinking about pricing. Operator B: Made pricing decision in 48 hours. Based on 3 customer conversations. Implemented. Iterated after 30 days. Opportunity cost: $1,200. Cognitive load: 0.3 hours/day. Same decision. Different speed. Different outcomes. Decision Debt operates on compound interest. Each deferred decision consumes mental bandwidth. Each unmade choice creates anxiety. Each avoided conversation accumulates interest. The operator with 89 deferred decisions is not thoughtful. They are paralyzed. Reflection: We tell ourselves we need more information before deciding. But in 2026, information is infinite. Waiting for perfect information is procrastination dressed as diligence. The cost of a wrong decision is finite. The cost of no decision compounds indefinitely. Strategic Insight: Implement Decision Debt Management in four phases. Phase One: Debt Audit—list every deferred decision. Estimate cognitive load per decision. Phase Two: Triage—categorize by impact: high (revenue, strategy), medium (operations), low (cosmetic). Phase Three: Decision Sprints—dedicate 90-minute blocks to clear high-impact decisions. No research. Decide with available information. Phase Four: Prevention—implement 48-hour rule for all new decisions. Target: zero decisions deferred beyond 7 days. In 2026, speed of decision is speed of success.