> Once the monolith is well matured and growing pains start to rise, then you can start to peel off one microservice at a time from it.

Curious what is considered a growing pain of the monolith vs tech debt that hasn't been tackled. If the issue is the monolith can't scale in performance then a services oriented architecture doesn't necessarily give you that automatically unless you know where the bottleneck of your monolith is.