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1. Borrow as much money through student loans, auto loans, and home loans as you can, with no plan to repay them in a timely manner.
2. Seek out the most expensive, frivolous, and totally unnecessary ways to spend money, whenever possible.
3. Treat credit cards as free money, and take advantage of every store credit financing offer with no regard for the interest rate.
4. Remain unfazed as bills pile up and your credit rating goes up in flames.
5. Choose the easiest and most short-term fix. Payday loans are there to help. Pay no attention to the exorbitant interest rates or cyclical debt traps.
6. Hang in there as you try to pay off your loans, but keep getting pulled back in by mounting interest and fees.
7. Give the creditors a piece of your mind, if only to feel a little better about your financial predicament for a few fleeting moments.
8. Break down and borrow money from friends and family who are nearly as broke as you.
9. Get to know this guy -- the debt collector. He'll be calling you at all hours of the day and night to have long and engaging conversations about the poor life choices you've made and how bleak your financial prospects are.
10. Accept your fate. Seeking debt counseling or consolidation solutions would be too much effort. Just kick back and live with the constant burden of debt until you win the lottery.
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