Cash will be items that are not necessarily budgeted for, but still important. This will include furnishing for my home, or high end electronics. Cash will be simple and to the point. Anything that is not spent will go into my checking account. My emergency fund will sit in my savings account, so there will be no accidental spending of my emergency fund.

In addition to that, I will have a Swiss bank account with $8Million in the account. This money will draw out of my account anytime I need to pay for things. With $8Million, I can spend $8,000/month, and it will take me 83 years to spend it all. Since I don’t have any legacies, there is no one to leave money too. Simply put, you can’t spend it when you’re dead.