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Late edit: Just noticed this is about the debt, I thought this was about not getting more than 200k Pix.
If you like, add me and I'll help you out with your situation - if you'd mention which day you're on, the kind of stock you're keeping, and if you've played an endless game yet, that would help.
An hour of gameplay should see you adequately kitted up for cash, if time is a concern.
NEVER buy blue items to save for when the price goes up. Buying blue items is hardly cheaper than normal, and hanging onto them until they normalize hurts you.
ALWAYS buy red items. Even though it's *slightly* more expensive to buy them, you can sell for 2x or more of the base price. RED ITEMS ARE WHAT YOU NEED TO PAY OFF THE DEBT!
Pay attention to booms, and buy 10-20 (depending on if you can do it 1 or 2 days in a row) of expensive items, like golden scales when "Housewives with new money management are on a precious metals bender". ♥♥♥♥ bricks when you get a boom on red items.
I had the 820k needed for the debt by the 3rd week. Last payment took 500k off my total 1.5mil.
I made all of my money dungeoneering. The randomness of item drops that are complained about are easily overcome by running whole dungeons. Across only 5 floors you might be finding too much trash, but across 15 or 30 it is unbelievably unlikely that you'll not make any money from fusions. Knowing the fusions is problematic, but if you're reading the forums you might as well be reading the wiki too. I cleared the game without continue +.
I like the idea of buying red items to sell them while they're still high price.
For orders, vending machines count as "metal items." You can make a massive amount of money with those.