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Critical Financial

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Critical Financial
General Finance
A Financial Survival Guide to America in the 21st Century.
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Portland, Oregon, United States
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Latest Blog Posts

You might've heard all the buzz about how investors have turned their crypto portfolio into a gold mine. You may think only experts can get this done. However, you can get the most out of your investments if you learn how to start investing in cryptocurrency. Believe it or not, it's easier than you think when you learn the top tips followed by experts. Don't know where to start? We've got you ...
Posted: Dec 16 2019 @ 1:37 PM
There are five lessons to be learned from Joejuan Williams' money mastery. He lives off 10% of his multimillion-dollar income, and I'm not sure I've ever been more proud of a stranger. Learn good habits early Joejuan Williams credits a finance course he took in high school that helped him form his good practices as a millionaire. He learned about 401(k) plans, certificates of deposits, and mutual funds, budgeting, and completing a ...
Posted: Nov 20 2019 @ 10:01 PM
With retirement planning, there are so many options. Now that there's increased availability of the Roth 401(k), the question is whether its better than the traditional 401(k). It's challenging to pinpoint which plan is best. Like most things dealing with money, it depends on your situation. Traditional 401(k) A 401(k) is a retirement investment account that has funds based on stock market funds or life cycle funds that are risk-adjusted to your ...
Posted: Nov 14 2019 @ 6:29 PM
Open Enrollment has begun, so it's time to choose your insurance policies to make sure you're getting the best and most affordable coverage in the upcoming year. You have until December 15 to ensure your coverage for January 1. How to Choose Insurance Coverage If your job offers health insurance premiums, request the coverage information from human resources, or find them online. You need to compare premiums, copayments, deductibles, prescription costs, and ...
Posted: Nov 12 2019 @ 11:10 PM
What would you do if you had an extra $100 in your pocket right now? $500? What about a few extra thousand dollars? Most of us dream of having all of that extra pocket cash, but how? If you’re looking to improve your financial situation, there are a few key money-saving tips that you can follow. Keep reading to learn 4 budgeting skills that will carry your finances well through 2020 and ...
Posted: Nov 12 2019 @ 11:39 AM
You now have more inexpensive options than ever to stream live TV, but which gives you the most bang for your buck? Depending on your location, you can get a basic cable package between $25 and $45 monthly. For an affordability comparison, I will use $35 before taxes per month for the prices of the various streaming services. I will also take into account the number of channels offered. Hulu + Live ...
Posted: Nov 09 2019 @ 12:13 AM
I recently saw a post on Instagram shared by a personal finance coach berating anyone not taking advantage of a Roth 401(k). He used Mitt Romney's $102 million individual retirement account (IRA) as the basis for the statement. Unfortunately, he was misinformed. That's not a Roth 401(k) First, Mitt Romney has an IRA, not a 401(k), estimated between $20 million and $102 million. Further, his account is not a Roth IRA. He ...
Posted: Nov 05 2019 @ 6:37 PM
Is the third time a charm for interest rates? The Federal Reserve has cut rates again this year, so your savings account may not make as much money for a while. Considering that most traditional savings account rates are abysmally low, you might not even notice. Here's how it affected me already. Interest rates fluctuate over time based on what the Fed does. When prices go down, it is less expensive ...
Posted: Nov 02 2019 @ 8:40 AM
Have you ever had someone say they could make you rich if you handed over a few thousand dollars for them to invest? If you haven't, and someone you know may have been a victim. Unfortunately, investment scams are all too common. What is an investment scam? An investment scam, or investment fraud, is when someone sells an investment asset illegally. This term can also apply to annuities, certificates of deposit, and ...
Posted: Oct 30 2019 @ 8:08 PM
If you've ever spent the night at a hospital, you have learned that our health care system is costly. There are separate charges for doctors and services that quickly add up to astronomical values. If you haven't had to deal with the financial pains of illness, here is how you pay for medical care without going broke. Insurance Insurance can save you thousands, or hundreds of thousands, for medical care. When I ...
Posted: Oct 24 2019 @ 6:10 PM


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