Your goal is to be in debt as much as possible. Fortunately, a guy is willing to help you, but he's also looking to be in debt, so you have to gain some money and pay off some of your debt to gain upgrades. Press the spend button to get spending! The bill appears every 180 seconds, however you can lower bill wait time down to a minimum of 120 seconds. Please do not spam the upgrade buttons as they will bug.
Amazing idea I had while on vacation: A clicker where your money goes down into debt; the most realistic clicker.