This paper deals – in its former part – with three concepts: speculative bull, stock market crash and stock market correction. As a rule, the bulls are considered to be the cause and the stock market crashes the effect of the bulls. In Romania, the financial crisis is the consequence of the overrated consume generate by credits. As any other thing generated by credits, consume must be paid as well. Unfortunately, the payment must be done in the conditions of the international crisis, so it will cost more. The payment deadline is an inevitable thing, anyhow.