I will have 4 accounts that will manage what I will do with my life. All of these accounts will have a purpose and a role. To keep things simple, I will have 4 accounts. One of these accounts will be a Swiss bank account which will be needed to protect my assets. First will be my checking account. This is my day to day activity account. The second will be gift accounts. This will provide select people with money to help make their life a little more tolerable. The third is my savings account which is where my emergency fund will deposit into. With FDIC regulations, I will acquire the savings account into another bank. While this might sound cheap, I will look for a bank account without any fee, or monthly account charges. The last account will be my Swiss account. This is where any amount of money more than $250,000 per bank will have to go into. Since my only source of income is an investment fund within the US, there is no way of hiding this money. The Swiss account is for financial security only.