The Blades are sitting pretty in sixth position on the table, despite only being promoted from the Championship last summer.
They splurged £22m on Sander Berge last month, but Wilder insists every move is done with financial surety.
"It's always done sensibly so as not to put us in a difficult position," he said.
"I've been part of that before, not in terms of signing players but being involved in a club which went through it, and it shatters clubs. It's a long road back and there's no way we'd ever want to do that to this football club."