Refers to various forms of debt that can be used in building The Financial Pinwheel, both in good forms (mortgage) and bad forms (credit card debt). Good forms are required for normal lifestyle elements such as a car or a home and can be managed responsibly. Bad forms such as credit cards can provide artificial support of an overly large pinwheel (lifestyle expenses) that can't be managed long-term. The 36% exercise provides quick calculation to see if, based on your pinwheel debt commitments, you have sufficient room to save towards yourself.