One of the most important activities you will do in your lifetime is sleeping. Getting a restful sleep has health, psychological and financial benefits. And, a web app,, is helping people figure out not how much sleep to get, but when to go to bed and when to wake up.

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Keeping in mind the 90-minute sleep cycle, recommends times to wake up depending on when you go to bed and vice versa. Waking up during a sleep cycle can make you feel groggy and sluggish. calculates various wake-up times that will wake you up between sleep cycles, leaving you feeling refreshed and energized.

So whether you get three hours or six hours of sleep, you can get the rest you need and lead a productive and financially sound day. You heard us right: a restful sleep is good for your bank account. And here’s how:

Kiss those 5-Hour Energy Drinks and venti Americanos goodbye.

Who needs 2,000% of your daily B-6 vitamin dosage? The next time you reach for the bottle that promises an energy jolt with no crash, keep in mind that three key ingredients in 5 hour energy affect your heart. In 2012, Yahoo News reported that 5 Hour Energy was linked to a dozen deaths in four years.

And no, Starbucks will not open any earlier than the hours posted just because you need your caffeine fix. At one or two cups a day taken black, coffee is actually considered a health drink. But consuming copious amounts of coffee, according to Web MD, can cause a spike in blood pressure. This spike, especially in individuals who already have hypertension, can lead to nausea and migraines.

Whether you prefer energy drinks or coffee, both can keep you running to your doctor and drain your bank account. The cost of a Venti coffee at Starbucks is just under $3. At just one coffee a day, that’s $15 per work week. One 6-pack of 5 Hour Energy will set you back $12.

Sleep deprivation and retail therapy don’t mix.

A 2011 study revealed that sleep deprivation increases optimism, leading to impulse buys and risky financial decisions. Among those addicted to online gambling, sleep deprivation is a common red flag of the addiction. Gambling addicts, at their worst, will prioritize gambling with the hopes of winning big over everything else. Therefore, gambling addicts will go days without sleep while simultaneously maxing out their credit cards.

So, the lesson here is get the sleep you need in order to make sound financial decisions.

Your doctor will be happy to NOT see you.

Getting some shut eye has a number of health benefits that will keep those doctors visits and expensive medications at bay. According to TIME, sleep is just as crucial to your overall health (and health insurance premium) as diet and exercise. Decrease your risk of obesity, keep away those mood disorders, improve your memory and maintain a healthy blood pressure all with a restful slumber.

Sleep saves lives and averts disasters.

Sleep loss increases chance of causing an auto accident, especially among teens and new drivers. In 2011, AAA reported that car accidents cost the U.S. $300 billion annually. And that figure includes property damage, injury, medical response, auto insurance rate increase, loss of income and cost of death.

Sleep deprivation has also made the national news over the years. And usually, it’s a report involving a major disaster. The Challenger Explosion and Exxon Valdez oil spill have been both linked to sleep deprivation.

Great minds take sleep very seriously.

Benjamin Franklin scheduled seven hours of sleep and rising at 5 a.m. Winston Churchill and Thomas Edison were both nappers.

The common thing that successful and creative people share is that sleep is treated as a priority. While creative insomniacs, like Nikola Tesla, are the exception, people that prioritize sleep are reported to have a better memory, are more productive and make better business and financial decisions. Even Arianna Huffington gave an entire TedTalk on the productivity power of a good night’s sleep. Huffington, by the way, has a net worth of $50 million with the Pulitzer Prize winning Huffington Post under her belt.

Overall, sleep is a no-cost solution to expensive productivity, health and financial issues. So get some shut eye and see the big picture.

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