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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 →
Responsibility About Finance and Investing, finance, investing, self reliance

Self Reliance Themes | Teaching Children Responsibility About Finance and Investing

Aug 20th, 2012 · 1 Comment
In our eagerness to spread the blame for our country’s economic slowdown, perhaps we have looked past a vital link in the chain of sound practice... more →
Successful Business Partnership , business partner

Use These 6 Tips to Leverage A Successful Business Partnership

Aug 17th, 2012 · 0 Comment
There’s a lot of truth to the saying that a successful business partnership is much like a marriage—two flawed human beings are joined in... more →
The Property Rental Market

The Property Rental Market | While Foreclosures Increase So Do Rents

Aug 14th, 2012 · 0 Comment
Whenever an economy slows, there are some winners among the many losers. As anyone with familiarity of the current state of the U.S. economy... more →
Federal Student Loan Subsidies

Federal Student Loan Subsidies | Part of The Health Care Law?

Aug 11th, 2012 · 1 Comment
As I drive through Any College Town, USA I notice an above average amount of urban sprawl, which has occured in the last 5 to 7 years.  Ever... more →
Capitalism

Ironic | Capitalism Helped Defined By Karl Marx?

Aug 8th, 2012 · 0 Comment
The word “capitalism” can mean many things to many different people. It is seen as a blessing to hundreds of millions, a scourge to probably... more →
Collectibles Market

Collectibles Market | Long Term Investment Strategy Or To High Risk?

Aug 5th, 2012 · 0 Comment
Perhaps it’s the popularity of television shows such as “Pawn Stars,” but more and more people are viewing collecting as an easy, fun... more →
Home, home investment, home liability, real estate investment

Your Home | An Investment Or A Liability?

Aug 2nd, 2012 · 0 Comment
Americans have been duped into thinking that their home is their #1 investment. Nowhere in recent history was this misconception more clear... more →
Investing Prowess, self-directed IRA

Have Confidence In Your Investing Prowess Use a Self-Directed IRA

Jul 31st, 2012 · 5 Comments
More and more people are taking control of their IRAs and applying their investment knowledge in hopes of a more comfortable retirement. The... more →
Benefits of Soil, farm reduction, tax burden

The Benefits of Soil | Get A Farm Deduction To Minimize Your Tax Burden

Jul 28th, 2012 · 4 Comments
The tax benefits of soil AKA “farming” can be significant in many states.  All 50 States give preferential property tax rates to agricultural... more →
The Use Of Money Improves Society, Adam Smith, wealth of nations

The Use Of Money Improves Society | Adam Smith Wealth Of Nations

Jul 25th, 2012 · 0 Comment
Money is a unit of exchange that we take for granted. We grew up seeing coins and bills, fingered a few when we earned allowance at home, counted... more →
Death Tax

Death Tax | Are The Amount Of Taxes Paid Causing Private Industry To Shrink?

Jul 19th, 2012 · 2 Comments
The ongoing battle on Capitol Hill over the rate and extent of the inheritance and estate tax illustrates well, the very mixed feelings that... more →
student debt,student loan,make college affordable

Educational Inflation Nation | With College Tuitions Skyrocketing, Is A Degree Really Worth The Investment

Jul 6th, 2012 · 0 Comment
In the US we place great value in the acquisition of a college degree, but are the collage tuitions really worth the investment?  A Cato... more →
Debt Collection, payment, debt management

Debt Collection | 3 Reasons Why They Increase Intensity

Jul 1st, 2012 · 0 Comment
You know you have debt obligations, but are you finding yourself getting uncharacteristically bombarded with collection calls.  Here are a... 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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