i'm not sure what scenario you could be in that you could do better than having a "high yield" deposit account (whatever that means anymore...), having an intermediate checking account that is simply there to pay bills, and having a credit card with cashback or miles or whatever (depending on what your expenses lay out) that you pay off in full every month and a low interest, no fees line of credit (most often from your home). it is easy to setup bank-to-bank transfers. this is excluding whatever non-liquid investments or not-immediately able to liquidate investments you have, obviously. i won't pretend to know more than anyone else on this sort of thing, but if there is a better method, i'd love to hear it.