Whether a business plan, career path, or starting a family. This necessary tool will become the foundation and the accountability tool that keeps you pushing forward. Live life and learn a lot, decide what your time on this earth means for you, then calculate it all up into an annual cost.

Don't forget your legacy, how you spend your senior years are important also so we must always plan for this, retirement doesn't have to be expensive, but ignore your health and the bills add up.

Think about what's going to be left for your kids or family if you choose to have them.

Think about what you want to accomplish in life which is just as important as the annual cost to manifest it.

Start keeping track of your bucket list constantly adding to it and constantly dream about crossing things off that list. If you died tomorrow and you didn't get to do the things you wanted, its not the end of the world, but when days get long and hard, this list is what's going to keep you motivated.

Cen$e keeps a running tab on our bucket list while also finding data that helps us find peace and prosperity in this list while crossing things off as fast as possible. Cen$e is about helping the human find balance and peace.

1. Stick to your budget

   1. A well balanced budget will allow for a quality of life. it may not be ideal but its important to include something in that allows a person to shift gears out of work mode for stress relief. Some can live for the weekend and have a drink on Saturdays during a game and be happy with that. Others may want to do Netflix at night. But even as low as $10/month will allow a person to escape from the every day grind of working and decompress from the stress of everyday living. Cen$e Automates this.

2. Anything between content and ideal is a waste

   1. I want a $20k outdoor kitchen. I can't afford it. I love to grill. I can buy a $69 grill and accomplish my goals of grilling. don't buy an $800 grill because it looks cool unless you didn't really want a 20k outdoor kitchen. The extra $731 can be invested and turned into 20k over a set # of years (See the rule of 72) and you can purchase your outdoor kitchen and live your dream in the future while being content with your hobbies and interests now also.

3. Time is money (manage your time)

   1. If you think about it, everything is stuff. Meaningless stuff that comes and goes. The one thing you can never get back is time. Time even though we think we will live to 100 it isn't gaurunteed. That's why a balanced budget is important, and why its important to not waste your time on anything that doesn't make your life great or move your life forward. Don't spend time with people who will ask you to sacrifice your future. Don't give your life to people who will deplete your life or distract you from your goals.

• 1. invest your time, money and resources and keep pouring into yourself until yourself starts producing the life you want.

  2. There are 4 types of people

     1. people who have time & Money

     2. People who have Money and no time

     3. people who have time, and no money

     4. people who have no time and no money

  3. #4 can be #1 ORGANICALLY. Until your business is a contribution and utilizing very little of your time, you are not wealthy or retired or rich or what ever you want to call it. Cen$e Automates this Process.

  4. Interest earned on your money is predicated on sound investment advice. The more involved with the cashflow, the more profit you make. Outsource too much and you could be seeing a 1% interest or even a loss. By building a life around your personality, this can fluctuate from person to person, Cen$e does what it can to eliminate stress but this is a priority the user must be involved with in the beginning to insure all information is provided.

  5. Adding income annually with little to no losses adds to the pot annually. Build a cashflow until the income from interest can replace your job or career, then retire having time & the money I wanted in retirement.

  6. Most companies dividend at 5% and under. if you get a job, its a good idea to leverage the 401k, but there are other tax advantage savings plans like IRA's and Roth IRA's... you'll see a 3-4% average return yr over yr because the companies that invest your money make about that.

  7. Diversification is a safe slow growth. At least 50% of every portfolio needs to be slow and steady.

Cen$e manages this whole process for you, but you will quickly learn that the closer you are to the work, the more profitable it is. making money about what you love vs doing what you have to do is a politic i'll fight till the end of time because when you love what you do, it doesn't feel like work. work hard doing what you love and you will never stop making money.

Credit is for people who understand fully how money as a fiat currency works. 99% of people on earth don't have a clue. Cen$e has created a debt consolidation product that should be government regulated that allows for all debt to be consolidated into a lump sum for 3%. Cense partners with all major credit bureaus and affiliate partners to insure your credit is addressed as apart of your budget automatically. Spend your life living. Let Cen$e worry about your credit.