on the bank account stuff-
just as a suggestion, if you are going to do this (or the cascading system of paying bills w/credit cards to maximize rewards)-detail out what you are doing in writing in case someone else has to handle it for you in an emergency.
i say this b/c a family member had to deal with the finances of someone who did the credit card thing and it was a nightmare trying to figure out what in the world they were doing. stuff was set to auto transfer/pay/charge but the primary person was doing manual transactions as well to make it work so stuff got all messed up resulting in penalty fees and unpaid household expenses. bank accounts need to be listed out for someone else to deal with esp. if any vital payments are set up for auto pay w/vendors who are eager to cancel contracts/services (health insurance/life insurance in particular). in the event of the worst circumstance and someone has to deal with your estate-not knowing about where bank accounts exist can mean the funds in them sit for years in limbo even if another co-owner is listed or a p.o.d.. i'm dealing with this now-brother passed in 2017 leaving no clue to banks and the state he lived in gives 3 years without activity on the account to the bank before they have to BEGIN to try to first contact the named owner (which could be via the email address that died w/the person) and then upwards of another year before they turn over the funds to the state controller's office to begin their time consuming processing before they post it on their website. in my case if anythings out there it may help reimburse the expenses another sib and i had to pay but if there was anyone reliant on those monies for day to day expenses it would be a nightmare.
just as a suggestion, if you are going to do this (or the cascading system of paying bills w/credit cards to maximize rewards)-detail out what you are doing in writing in case someone else has to handle it for you in an emergency.
i say this b/c a family member had to deal with the finances of someone who did the credit card thing and it was a nightmare trying to figure out what in the world they were doing. stuff was set to auto transfer/pay/charge but the primary person was doing manual transactions as well to make it work so stuff got all messed up resulting in penalty fees and unpaid household expenses. bank accounts need to be listed out for someone else to deal with esp. if any vital payments are set up for auto pay w/vendors who are eager to cancel contracts/services (health insurance/life insurance in particular). in the event of the worst circumstance and someone has to deal with your estate-not knowing about where bank accounts exist can mean the funds in them sit for years in limbo even if another co-owner is listed or a p.o.d.. i'm dealing with this now-brother passed in 2017 leaving no clue to banks and the state he lived in gives 3 years without activity on the account to the bank before they have to BEGIN to try to first contact the named owner (which could be via the email address that died w/the person) and then upwards of another year before they turn over the funds to the state controller's office to begin their time consuming processing before they post it on their website. in my case if anythings out there it may help reimburse the expenses another sib and i had to pay but if there was anyone reliant on those monies for day to day expenses it would be a nightmare.