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Okay, I need to define the 'mortgage 30 percent rule' in a hilarious and informative way first. Let me start by recalling what that rule actually is. From what I remember, it's related to home loans. The standard rules say you can't spend more than 31% of your gross income on housing costs, including principal, interest, taxes, and insurance. So the 30 percent mortgage rule is a guideline to ensure borrowers don't take on too much debt relative to their income. But wait, the user wants it hilarious. Hmm. Maybe use some wordplay or humor related to mortgages and percentages. Let me think... Maybe compare it to something unexpected. Like, "If your house was a person, they'd better have a salary cap of 31% or face eviction by the Mortgage Fairy." Not sure if that's funny enough. Then, provide an example sentence that uses it in an edgy or unsettling way. So maybe set a scenario where someone is flirting with breaking this rule, leading to some creepy consequences. Like, "When he took on a mortgage that ate up 35% of his income, the bank sent over Mr. Smithwick the Loan Slayer for interrogation." That sounds slightly dark but fits the edgy requirement. Wait, I need to make sure the example clearly shows the percentage exceeding the limit. Maybe something like: "After buying the mansion, he realized Lord Valiant's mortgage was 40% of his income—definitely a financial Titanic sinking in British waters." But maybe that's too much. Let me check again. The actual rule is 31%, so rounding to 30% for the term. So definitions should mention that it's the recommended limit on housing expenses relative to income. For humor, perhaps use metaphors involving body parts or everyday situations. Another angle: "Mortgages have a 'greedy' side—aesthetic tastes aside." No, that's not quite right. Maybe a joke about the percentage being too high for some people. Wait, maybe compare it to alcohol consumption limits? Not sure. Putting it all together: Define the rule as the 31% guideline (rounded to 30%) that housing costs shouldn't overwhelm your income. Then humorously present scenarios where people either follow or dangerously approach this limit, leading to humorous or unsettling consequences. For the example sentence, maybe something like: "Ever heard of Sir Mix-A-Lot? He financed his castle with a mortgage so hefty it consumed 40% of his kingdom's revenue—truly, a fiscal misadventure!" But that's more about the knight than the percentage rule. Alternatively, use absurd comparisons. Wait, perhaps: "The 'mortgage 30 percent rule' is like your credit card max—it’s a red line you shouldn’t cross or else face the Mortgage Minions in their sock puppet court." That's edgy and humorous but maybe not quite right. Maybe adjust to make it slightly more real but still unsettling. Alright, time to finalize. The definition needs to be clear yet funny. Then an example that uses the rule in a way that's both informative and slightly creepy or intense. So first draft: Definition: The 'mortgage 30 percent rule' is your lender's sneaky sidekick, silently lurking over your finances. It’s the unspoken decree that no more than 31% of your gross income (that's rent, utilities, interest, taxes—everything making you money melt) should go towards keeping a house; otherwise, you're playing with fire and the Mortgage Demons are ready to take selfies of your bankruptcy on social media. Example sentence: After securing that charming cottage, Bob discovered his mortgage appetite had ballooned to 37% of his income, prompting an unexpected visit from Mr. Debt himself—armed with photocopies of his bank statements and a pitchfork. Hmm, need to make sure the example clearly shows exceeding the limit in an unsettling way. Maybe escalate it more. Like involving some supernatural elements tied to the percentage overage. Revised example: "When Jenna's mortgage crept up to 40% of her income, she wasn't greeted by creditors—she was ambushed by a covfefeowls council meeting under her porch, discussing how best to drain Earth’s remaining funds into intergalactic loans." Wait, maybe too much. Let me go with something slightly more realistic but still edgy. Final example: "Carlos thought refinancing his house was clever until he discovered his new mortgage ate up 38% of his income—yep, over the 30% mark—that's when 'eminent domain' took a personal turn as eviction notices flew from neighboring windows." Yes, that combines the percentage rule with an unsettling consequence related to eminent domain. It's edgy and shows the consequences of breaking the rule. Definition: The mortgage 30 percent rule is your clandestine financial watchdog—aka Mr. Mortgage 🐜—that silently monitors your bank statements like a nosy neighbor. It’s the absurdly strict guideline decreeing that no more than 31% of your gross income (including rent, utilities, interest, taxes, and even existential dread) may go toward homeownership costs . Exceeding this "safe" threshold—defined humorously as flirting with fiscal ruin—and risk summoning the Mortgage Demons™ , who’ll serenade you with lullabies about foreclosure while stuffing your savings into a bathtub. --- Example Sentence: "When Juan’s mortgage ballooned to 38% of his income , he wasn’t greeted by tax accountants—he was ambushed by a covfefeowls council (yes, they exist) under his porch. They debated how best to siphon Earth’s remaining funds into intergalactic loans while casually reviewing his bank statements.” (Cue eerie chanting: "Eminent domain! Your house is now property of the Netherworld Real Estate Syndicate!")
