| I'm in Australia so have fewer options than many others here. We use a mutual bank for most of our transactional banking. We have several companies, trusts and superannuation (think IRA) accounts there. My wife and I also have a joint account at a commercial bank. This is solely used for personal purchases on a debit card. The account has no international fees, which is unusual for Australia. We use Ledger CLI to automatically ingest all transactions each day. I wrote a scraper for the mutual bank and commercial bank (needed to OCR the PIN pads they like to jumble around). This gives us great visibility into all expenditure and origins of funds. My wife and I get a daily email with PDF attachments for our various entities. We use Interactive Brokers for most investments, along with IG Markets to mitigate some counterparty risk. We've mostly retired (thanks to a startup) so most of our wealth is held in there. I use IB's FTP delivery service to receive detailed daily account statements (with GPG encryption). I also use IB API to do some algo trading. We also have some crypto with 5 different exchanges given we don't trust any of them so it's straight-forward counterparty risk management. These are also algo traded. We avoid cash use because it doesn't auto-categorise into Ledger CLI. I wish we had more privacy but by spreading things around between the banks, brokers and exchanges no single institution has any real clue about us. Sure the government does, but they get that all the important info freely anyway via tax returns or simply asking nicely. It's all reasonably automated, but I have to shuffle money around each quarter or so. |