I love this minimal approach, but I've learned the hard way that there's a missing word - "resilient". "you consolidate your finances in the minimum resilient

I love this minimal approach, but I've learned the hard way that there's a missing word - "resilient". "you consolidate your finances in the minimum resilient number of accounts & cards" I almost lost my iCloud data when my single credit card at the time was compromised and the new card got delayed. I now think one should carry at least two independent credit cards of some sort, if one is paying periodically for critical IT (cloud data, domain names, etc). Another anecdote: a relative had to pay cash (the venue didn't accept cheques) for an expensive rehearsal dinner, because their only credit card was compromised the day before at a business lunch. Likewise for emergency funds. I've now split my e-fund between two banks to reduce the risk to paying my mortgage in a financial crisis.