Pocket change This is my everyday wallet I can loose it (backup seed, saves it) or get robbed without crying. My app here is Phoenix Wallet can both send and receive lightning network and swap-in/out on-chain. The requirement is; it shall just work seamless when I need to buy things or pay friends with lower amounts.

My piggy bank I top up my everyday wallet from here, I'm technically savy and play around with StartOS or Umbrel. This could be something else just an easy way to send lightning network transactions to top up my Phoenix wallet.

My savings account This is on-chain, this is rarely touched, I'm using hardware wallets with several seed backups on different physical places. This is long term saving and monthly amounts goes in here.