[jonhohle]

My wife and I have four kids and for each of them is a personal savings account, a savings account we keep for them to accumulate over time to avoid a taxable lump sump “gift”, and a tax advantaged educational savings account. For ourselves we have brokerage, savings, checking, and each have pretax and post-tax advantaged retirement accounts and health savings accounts. Many tech employees would also have 401k and possibly equity compensation accounts. And then any credit or debt (mortgage) accounts on top of that.

Our family is big, and the number of accounts scales with the number of people, but that’s about 25 without getting into anything moderately interesting.