"You never want a serious crisis to go to waste."--Rahm Emanuel Don't worry. The above is the first time I have, and the only time I will, open a blog post with a quote from a left wing terrorist! And this post is not a manifesto regarding the use of tragic current events to further one's own political ends. No, the crises that I'm focusing on today are personal and specifically financial in nature. How can a crisis go to waste. you may ask? After all, for most people a crisis is something that happens , and must simply be survived. Your bread winner loses his/her job. The car needs a transmission. The power goes out for 36 hours. These things can and do happen through no fault of your own, and present major challenges that have to be overcome to the best of your ability; it can feel at the time as though anything beyond mere survival is asking too much. Furnace broken? You'll just have to fork over that $450 and live on old Rice-a-Roni and tuna fish for