It is time to get certified?

Profit or loss. 

Bills and debt.

Blaze a trail or regret?

Music doesn't sound the same as it once did.  Deciphering what is fact and truth leaves me even more pessismistic about the world and those who govern it. 

To be content and amititous at the same time.
To be wise but harmless... cunning as a snake yet peaceful as a dove.