How to run your own bank like a banker, here are three layers of management as reference:

1. Put enough of sats in the LN wallets for daily spending.
2. Put a medium amount of btc in an onchain wallet, ideally in a desktop wallet ( especially if you are not running your own node ); this could act as the point where your income comes in or getting sats for extra spending. ( optional: a smaller one for emergencies).
3. Put the big fat stash stored in cold wallets, the money you would not use for a long time.