have no savings account and i no longer use debit cards. I keep most of my money in my 401k, an IRA from all of my previous jobs, and an Etrade account for buying and selling stock. I ditched the debit card 2 years ago and now only use an Amex Platinum. Same with my business as well although i use a Wells Fargo credit card and just pay the balances off every month to avoid paying interest.
I do on occasion take advice from people from Getbig. Yes, i still have Texas land but its really nothing but a very nice view with dirt and shrubs with no power lines for miles so if i was to build something, it would have to have solar and wind but its not suitable for long term living but for riding an ATV or horse and shooting but good for collateral and loans if i ever need one