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Critical Financial

A Financial Guide to America in the 21st Century

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Do You Want To Build Credit?

Do You Want To Build Credit?

Jul 16th, 2020 · 0 Comment
  Do you know what to do to build credit and establish yourself as a good credit risk? Believe it or not, the way you approach a small...
more →
Conquering The Economy, job hunting, employment

Conquering The Economy: Why Hard Works Beats Intelligence

Jan 21st, 2013 · 0 Comment
Finding a job and/or keeping a job in this economy has little to do with how smart we are. It has everything to do with our perseverance and... more →
Top Three Leveraged Buyouts , LBO

The Top Three Leveraged Buyouts in History

Jan 17th, 2013 · 0 Comment
A leveraged buyout occurs when one company (often a financial services company) buys another company (often a true business) and uses the purchased... more →
Federal Reserve System

Creature From Jekyll Island | Birth of the Federal Reserve System in 1913

Jan 10th, 2013 · 3 Comments
It can be a bit disheartening to know that many of the most powerful institutions that we have in a supposedly free and democratic country were... more →
Favorite Financial Blog Writers

7 Of My Favorite Financial Blog Writers

Jan 7th, 2013 · 8 Comments
business, finance, saving, technology and people concept – close up of woman hands with laptop computer and us dollar money I wanted to... more →

The Marshall Plan of 1948 | An Effort To Clear The US Conscience

Jan 4th, 2013 · 0 Comment
When you interact with Europeans, especially those in the older age range, some remember to thank you for the part that the United States played... more →

Wealth Confiscation | Why Your Money Is At Serious Risk

Dec 29th, 2012 · 0 Comment
How much of your wealth is allocated as zero’s and one’s on a computer screen?  If your wealth resides in a bank or brokerage account,... more →
Unique Investment Opportunity, hog farm, pigs

Unique Investment Opportunity | Hog Farm

Dec 27th, 2012 · 0 Comment
There really are investment opportunities everywhere, all you have to do is open your ears and your mind!  Recognizing opportunities reminds... more →

Resolving The Fiscal Cliff | What Would “Soccer Moms” Do?

Dec 25th, 2012 · 0 Comment
I have been thinking about the blame game and the political pandering going on in D.C. over the Fiscal Cliff.  In case you haven’t heard... more →
reit, Smart Passive Income

Smart Passive Income | Go Nuts For REIT’s

Dec 18th, 2012 · 0 Comment
Many people do not know what the letters “REIT” stand for, but Real Estate Investment Trusts can be a hidden treasure in the financial world.... more →
credit card,Financial Stress

Credit Card Usage Statistics Prove They Are Leading Causes Of Financial Stress

Dec 12th, 2012 · 0 Comment
It’s hard to imagine a time without credit. Even in the most primitive of economies, shopkeepers would often extend credit to regular customers... more →

My Wealth Building Strategies-Personal Investment Update

Dec 8th, 2012 · 0 Comment
My First Real Estate investment: Four Family Apartment in St. Louis Missouri   I Fell prey in 2005 to the real estate craze with this purchase.... more →
Young Graduates,jobs, employment

Attention Young Graduates | To Climb The Corporate Ladder Seek To Learn Rather Than Earn

Dec 4th, 2012 · 0 Comment
So, you are considering which job to pursue out of college, or planning your next move up the corporate ladder while you do your best to stay... more →
Gresham's Law

With A Downturn In The Business Cycle, Gresham’s Law Proves More Emphasis on Quality

Nov 29th, 2012 · 0 Comment
Sir Thomas Gresham advised the English royalty on economic matters in the 16th Century and helped the crown to stabilize the value of its money... more →

My Wealth Building Strategies-Personal Investment Update

Nov 23rd, 2012 · 0 Comment
  Greetings from the great State of Tennessee.  I stumbled across this gem of an investment which I wanted to share and encourage y’all... more →

Fundamental Cash Flow Strategies For Small Businesses and Large Corporations

Nov 20th, 2012 · 0 Comment
What does cash flow mean? Whether you’re a small business or a large corporation, understanding and managing your cash flow is critical... more →
Generation Y Risk-Averse Investors

Lessons For The Generation Y Risk-Averse Investors

Nov 17th, 2012 · 0 Comment
  Gen Y or Millennials is a sector of individuals that are tagged as the ‘digital natives’. These are fresh-faced 20- or 30-somethings... more →
The Lottery Mentality, building wealth

Building Wealth From Nothing; Take Action, Avoid The Lottery Mentality

Nov 13th, 2012 · 8 Comments
Successful Lottery winners look really happy when they pose with their oversized checks for the cameras. The untold story is that many of them... more →

Save For a Rainy Day and Avoid the Pitfalls of Voluntary Servitude

Nov 10th, 2012 · 1 Comment
Debt has become such a given in our culture that many of us take large amounts of it on without giving it a second thought. We Americans are... more →
The Top 3 Finance Occupations

The Top 3 Finance Occupations in High Demand Today

Nov 6th, 2012 · 0 Comment
Whether you are choosing your college degree or thinking about a career switch, the financial investment services is one of the most in-demand... more →

Rise and Fall of The Roman Empire Timeline | Is The US Following It?

Oct 31st, 2012 · 0 Comment
Various pundits have tried to compare the fall of the Roman Empire to the apparent weakening of the U.S.’s position as the world’s lone... more →
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About the Author

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty.


Critical Financials’ Basic Personal Finance Rules

Here are some simple guidelines that will help you build wealth:  

1) Do the math. Get a budget and calculate your net worth

2) Get an emergency fund. Save at least 6 months worth of expenses

3) Limit costs. Spend no more than 30% of your income on housing

4) Max your retirement. Maximize contributions to your tax-deferred retirement accounts

5) Pay yourself first. Set aside money for yourself before you take care of your other bills

6) Set goals. Goal let you get ahead faster

7) Avoid high interest debt. Avoid credit cards, title loans and other usurious loans

8) Diversify. Diversity your assets.

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