Essence ofFinancial Management

Smells like fresh printed money. By drinking this Essence, you receive these boons:

• A floating, digital, interactive, financial system with an intuitive UI tailored to you through which you can store, withdraw, and manage funds allowing you to be your own bank and do all the business that a bank and having an account allows you to do.

• Set up different independent legal accounts for both savings and checking, make accounts for personal and business use or even for retirement funds, windfalls for emergencies, church funds, whatever you need and set the amount of money you want transferred between them which you can adjust at any time. This includes any old still open accounts that you have with any banks so that you can transfer your funds to your new account/s and close the bank’s.

• A credit/debit card, checkbook, and banking information, along with personal information such as your birth certificate and your social security number, that allows you to conduct your business and spend, transfer, or deposit your money via any means whether through a bank or ATM, will appear in your hands or next to you. You can recall your card, checkbook, and information to you at any time, if you lose them somehow, and they will appear in your hand or in your digital storage.

• If you become or have been homeless for a significant time, this collection of your personal information will make it easier for you to reenter the system if you want to.

• You can receive paychecks, buy things online, fill out loans, cash checks and bonds, etc. by giving your account number. Your account/s cannot be hacked into, no one can pull money out without your permission, nor transfer funds without your permission, the government cannot steal from you and your assets cannot be seized. Your account number is protected from anyone trying to unlawfully see how much money you have so long as you have earned your money through legitimate means. In addition any other personal information you have is protected from people trying to steal your identity or otherwise use it illegally. You will be immediately alerted if anyone tries and can forward their attempt to a responsible legal authority or retain a list if such isn’t possible due to things like oppressive or criminal governments.

• Your checkbook has infinite cheques and you can conjure any papers you need regarding finances that you conduct or participate with such as spending, proof of debt, contract loans, etc.

• You have access to an organizer that automatically keeps track of any debt, employee pay, or bills you accumulate, or anything else you are financially responsible for, including your own spending habits and expenses. It will also keep track of any debts owed to you, such as loans, and when checks are cashed, bounced, or destroyed. You can use this organizer to pay those debts and bills in full instantly with your account funds, as long as you have enough, without having to mail or pay online directly and you’ll never get catalogs or emails from people trying to get you to buy things or scam you because you have money, all payments made in this manner will be valid with the funds showing up where they need to be. Comes with a built in calculator.

• You can create valid currency from your account funds out of thin air if you can’t find/have access to a bank, ATM, or use your checkbook and credit card. You can also deposit funds directly into your account/s for similar reasons.

• Your money will collect interest and no amount of cash collected this way will upset the economy.

• You are able to seamlessly break down your funds into smaller currencies as well as exchange them with other currencies so that if something happens where the currency changes or you encounter new ones your money will change so you can continue to buy and sell things, this includes digital currencies.

• You cannot change your money into older currencies in order to get authentic Spanish gold coins or similar, the exchange only occurs for money that is in use on the market or similar currencies. Or, if you should visit other worlds, exchanging your currencies for theirs and vice versa. The exchange rate is always accurate to the current value.

• You can only store funds with these accounts, not priceless paintings and artifacts, though you’ll be able to store gold, silver, your coin collection, other precious goods of those types like copper, your investment folder/s and papers, and always be able to check their market value at any time. If things in your coin collection are basically worthless, such as being a recreation rather than authentic, you can exchange them for the value of their metal. A gold coin is still gold after all. This works for similar currencies as well.

• You’re also able to see what you’re paying in taxes no matter what it is, whether from bills or what they take out of your paycheck, and see what your total earnings are due to this. You’ll be alerted whenever this changes so you can plan accordingly or complain endlessly.

• Doing your taxes is also easier as you acquire digital receipts every time you get paid or spend/deposit your money even if it’s cash. You’ll receive your tax form/s through your system and your receipts will be automatically sorted according to account and what you need to fill out so donations will be sorted under donations from your personal account and gas according to business, etc. or however you used your funds. Your tax form/s will also come with handy information bubbles which you can expand and receive descriptions for each thing on the form and how to fill them out. Anything highlighted on the form/s is what you need to fill out for the form/s to be valid. Once properly filled out the form/s will be sent while you retain a copy, any return tax form/s will be automatically added to a folder even if it was mailed digitally and you'll be notified immediately of any funds owed.

• Any financial or personal paperwork that you would need printed for legal purposes you can create such as copies of your receipts, tax form/s, personal information, contract loans, etc. but it can only be for things that you have. You cannot create new identities with birth certificates or fudge things on the copies to deceive the courts or whatever.

• As long as you’re not being targeted by an oppressive system looking to ruin, exploit, or execute you, any legitimate investigative authorities will be able to look into your accounts and take copies of all your receipts. You will be alerted when they do so. The system is otherwise only seen and interacted with by you. If you do live under oppressive governments looking to execute, defraud, or otherwise target any citizen on whatever grounds that violate your/their sovereignty as an individual you’ll be able to hide whatever you don’t want them to see when they look at your account/s. This won’t protect you in every situation as they can still lie so use your own assessment on whether you should just run or not.

• You can make anonymous donations with your receipts being the only thing to show that you made that donation.

• For the purposes of keeping track of your finances you have a perfect memory that is retroactive, clarity of thought that doesn’t lose track of what you’re thinking, and you find working with numbers to be easier.

• Finally, you can create a will for the purposes of distributing your funds to anyone or any organization you care to and your money will be seamlessly transferred upon your valid death (i.e you stay dead and are not revived in some way) after three days with valid certifications. Possessions will still have to be handled the normal way.

• As a very small gift you do have a separate storage for your family tree, as far back as you or someone in your family was able to trace, and family photos plus newspaper clippings, physical and digital, that you have or lost, with it being automatically filled with your pictures and each one properly labeled according to what or who is in them, the time it took place, birth and death dates, any events, and arranged on your tree properly. Copies can be handed out to other members of your family as liberally as desired and they cannot be marred nor lost in any way. Your photos and tree are automatically transferred to your next of kin or appear in a box at a record hall that handles that sort of thing if you have no other family.

• You can decide upon drinking this Essence if you are the only recipient of these boons or everyone in the entire world who will receive their own tailored system. Choosing the latter ensures that people will be born with these boons and able to access their digital account when they turn 12. The system screen becomes visible to everyone when they interact with them but not the information on the screen itself and any investigative authorities have to speak face to face with those whose accounts are under investigation. Any witnesses will see what they see if witnesses are valid in their court systems.

• If you should find yourself in other universes you can grant everyone on Earth or of your current race/people/species the same gift if you want. The system will not appear while people are doing something dangerous like driving or surgery to avoid unnecessary collateral deaths and damage but everyone will receive their system by the end of 24 hours, with normal citizens in hostile environments given a short information blurb on the fact they can hide things from their oppressors.

• TL;DR, This Essence basically allows you to do all the things with your money and personal ID as you would normally be able to through legal and legitimate means with cash, card, checks, banks, currencies, and ATMs but doesn’t fully protect you from anything you do with them illegally while protecting you from anyone trying to do illegal things with your funds/investments including murder or exploiting you.