I can't stop from overcomplicating things, but I'll tell you what I did. For earnings/savings prior to 2023 I have moved for one part to Thailand, one part to a Swiss bank account that, for now, shows only that single credit, and left some funds in another UBS account to feed credit and debit cards. At the first business day of 2024 I'll move all my 2024 earning to my Thai FCD. This should allow me to ride out the storm until 2028. But I might be overly cautious as I have an LTR visa...