“Credit cards are dangerous for me, so I pay for everything in cash.” If you make frequent ATM withdrawals, you need to avoid those nasty ATM fees. That means working with a traditional bank which has an extensive ATM network so you can find an ATM anywhere or an online bank account which offers ATM fee rebates.
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What seems to be the problem? Obviously, it is the lack of a financial plan and lack of sound financial planning advice. And the first bit of good advice is that you should actively manage your finances. Try not to leave it to a financial planner totally. They are good at what they are doing, that is, to work out your financial plans and give good advice on bank products and services vocabulary. However, the responsibility lies with yourself to actively manage your investment portfolio to achieve the highest return possible. Of course, this should be done within the context of your risk appetite.
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“I’m always traveling.” If you want to be able to pay your bills, withdraw money and check your balances no matter where you are, online banking is right for you. Choose between an internet-only account with ATM fee rebates or a traditional large bank which has branches and ATMs all over the world, offers online banking and may even offer a smartphone app to do bank mobile customers bank.
N.B.: if you are not the most disciplined person DO NOT have a key card attached to this account. Pay yourself a weekly salary from it and don’t touch it for any purpose other than paying business-related expenses. That way, you’ll always know where you stand financially.