In the US, FDIC insures all bank account holders in the case that the bank goes belly up. However, there is a ceiling of $250,000. Therefore, if my account had $300,000 and the bank goes bankrupt, then I will lose $50,000. This may sound bad, but it would be even worse if I had $1,000,000 remaining. In that regard, I will lose $750,000. With that in mind, I will require a Swiss bank account.
Any return on investments will be deposited in a fashion of 25% to the Money Market account, and 75% to the Swiss bank account. This will reduce the number of calculations I will have to do, and make sure that all of my money is protected and safe. As mentioned, I will move money from the Swiss account if my checking account drops below $25,000. And while a Swiss bank account is normally associated with the very wealthy, $5,000,000 is not really a lot of money if you consider the cost of everything. An average house can take 5% of that money easily, and in the case of this site, it has.