Backup banks and credit cards are a must and tools like YNAB make that even easier. You don’t have to use YNAB but consider using something as a layer on top of

Backup banks and credit cards are a must and tools like YNAB make that even easier. You don’t have to use YNAB but consider using something as a layer on top of all your financial institutions. YNAB lets me not care where my money lives or where I spend it from. I can easily store money in a HYSA and lose none of my tracking/budgeting tools. As long as there is enough money in my auto-pay source account then I’m good to go. Late last year one of my banks closed down (HMBradley), I was using it primarily for its HYSA. YNAB made the whole process stupid easy and even after I lose access to the historical records for that bank (neo-bank/fintech org/whatever you want to call it) I will still have the full history in YNAB. I used to rely on budgeting and tracking tools built into a single bank (Simple) but YNAB lets me not care about the UI/UX of my bank and use it as a big dumb envelope while I use YNAB to budget and plan. Again, it doesn’t have to be YNAB, that’s just what I like and what worked for me.