I don't have a simple setup, I optimize everything. Everything, and I mean everything, is paid for by credit card. You get rewards, and more importantly, prot

I don't have a simple setup, I optimize everything. Everything, and I mean everything, is paid for by credit card. You get rewards, and more importantly, protections that aren't afforded to you by paying other means. Some even offer extended warranties, and price drop protections. Do your own research. I typically use cards to average around 3 percent back, between Amex, Discover, and Capital One. I keep my emergency fund in Varo. It gets 2.8 percent interest. I use SoFi as my main "bank", but also have a couple local accounts. Good luck.