Maximizing Debt-to-Income Ratio 101

Chapter 1: The Art of Being Utterly Indebted

Welcome to the definitive guide on how to spend all your money on useless junk and still somehow manage to pay for it.

Step 1: Get a job that pays well, but not so well that you can actually afford things.

Step 2: Buy a house that's bigger than you can afford, but just barely.

Step 3: Accumulate credit card debt, but only on designer handbags and artisanal coffee.

Step 4: Ignore the concept of savings and emergency funds, they're for chumps.

And voila! You're on your way to achieving a debt-to-income ratio of 100% or more!