“Swimming in debt doesn’t count as cardio” (or “Does swimming in debt count as cardio?”) is a jocular saying that has been printed on many images.
   
“Does swimming in debt count as cardio exercise?” was posted on Twitter by Siddharth B Sharma on May 12, 2012. “Does swimming in debt count as cardio?” was posted on Twitter by Sassy Southern Belle on April 22, 2014. “Does swimming in debt count as cardio?” was posted on Twitter by Squat on June 4, 2014. “Does swimming in debt count as cardio?” was posted on Twitter by Men’s Humor on June 5, 2014.
   
“Swimming in debt doesn’t count as cardio #broke” was posted on Twitter by Jeremy on August 14, 2012. “Swimming in debt doesn’t count as cardio” was posted on Twitter by Alan H on July 1, 2014. “Swimming in debt doesn’t count as cardio” was posted on Twitter by ωαικεr on December 28, 2014. “SWIMMING IN DEBT DOESN’T COUNT AS CARDIO” (shown on an image) was posted on Fuel Running on April 1, 2015.
 
   
Twitter   
Siddharth B Sharma
@Darth_SidS
Does swimming in debt count as cardio exercise?
5:01 AM · May 12, 2012
 
Twitter
Jeremy
@lilnieto87
Swimming in debt doesn’t count as cardio #broke
3:26 PM · Aug 14, 2012
       
Twitter   
Sassy Southern Belle
@sbellesass
Does swimming in debt count as cardio?
2:17 PM · Apr 22, 2014
 
Twitter
Squat
@DiddlyDoo
Does swimming in debt count as cardio?
9:37 AM · Jun 4, 2014
 
Twitter
Men’s Humor
@MensHumor
Does swimming in debt count as cardio?
3:00 PM · Jun 5, 2014
     
Twitter
Alan H
@AlanH_FL
Swimming in debt doesn’t count as cardio.
11:55 AM · Jul 1, 2014
   
Twitter
ωαικεr
@i_love_fudge
Swimming in debt doesn’t count as cardio.
9:25 PM · Dec 28, 2014
   
Fuel Running
Fitness Humor #72
Posted on 01 Apr, 2015
(The following text is shown on an image.—ed.)
SWIMMING IN DEBT
DOESN’T COUNT AS CARDIO
     
Facebook
Ron Street
November 23, 2015 at 3:24 PM ·
— feeling curious. 
(The following text is shown on an image, with Philosoraptor.—ed.)
DOES SWIMMING IN
DEBT
COUNT AS CARDIO?
 
YourTango
125 Funny College Memes Any Student Can Relate To
By Emily Francos — Written on Feb 16, 2021
(...)
45.“Swimming in debt doesn’t count as cardio.”
   
Reddit—Broke
Posted by u/Putrid_Size_8357 November 24, 2022
Debt Joke
(The following text is shown on an image.—ed.)
SWIMMING IN DEBT
DOESN’T COUNT AS CARDIO
   
Twitter
Stone
@stoneluvzbeer
I have a question for all of my friends who are into fitness… Does swimming in debt count as cardio?
🍻 🍻
5:43 PM · Jan 17, 2023
 
Twitter
Bob Kostic
@causticbob
It’s too bad swimming in debt doesn’t count as cardio.
6:18 PM · Feb 13, 2023